So it's got to that time where we want to stop renting and starting owning. I'm getting more and more impatient, I want to change so many aspects of our rental flat but can't. I want to get a puppy but I can't. It's all very frustrating! So we discussed it and agreed that it's a good time to start looking for a house and taking that next official step forward together.
The problem with house shopping is... it's bloody hard. You have an idea of what you would like but none of the available properties fit the bill - I don't mind there being a little something wrong with them, there will always be bits that require changing but when there are huge aspects that are wrong it's a lot harder. I don't want to have to compromise with too many things.
Then there's the cost! Ok, we all know a house is going to costs thousands of pounds, normally into the hundreds but you have your mortgage advisors, then your solicitors fees, stamp duty, deposit and those are all the upfront costs. Without the upfront costs available to you in cash, don't even think about it. And if you have any kind of debt, that starts to make massive dents in the mortgage you can afford (along with your poor salary).
So everything starts to feel a little traumatic...
We visited a couple of properties. One word of advice: the photos lie. Do not fully trust a photo of the property, with wide angle lenses and a bit of careful editing you end up looking at the property in the best possible light... however when you get there the property is in the cold light of day and all those bits that were careful edited are there in their full glory and those nice large looking rooms have suddenly shrunk.
Definitely a wake-up call. So whether or not we like it, we have to wait patiently, shop around and continue to save the thousands we need for all the upfront costs. They do say nothing in life is easy, and finding a property falls into that category for me!