Finding our forever home

So we have done it, we have finally put an offer in on a house and it’s been accepted. I cannot begin to tell you how happy we are.

The house is in the village that we spend a lot of time in, the children go to school there and my Hubby spent a lot of time there as a children staying at it Grandparents house. It is his Grandparents house that we are buying from the family. Unfortunately we lost my Hubby’s beloved Grandmother at Christmas, and we miss her so much.

finding our forever home

The family knew that we wanted to move to the village, so they gave us the opportunity to buy the house from them before putting it on the market with an estate agent. It’s not always easy to negotiate with family, we had to make sure it was within our buying budget but also that they get a fair price for it.

In the end we settled on a fee and we are so happy to be moving forward with buying the house. We have dreamed about living in the village for a long time, and now it’s our time to live the village life dream.

Saving up the deposit

We saved up the 10% deposit that most mortgage lenders want, although there is a few out there now that will accept a 5% deposit. The different in monthly payments from having 5% – 10% really is quite a lot. When I was first looking it was around £250 per month, which is a lot of money to any family. Our main priority over the last few months has been saving up enough money to have that 10% deposit.

I then started to look at the costs of conveyancing, I thought it would be around £500 plus stamp duty costs, however I was fairly shocked to see it comes to nearer £1000 with all of the little costs for searching, bankruptcy checks and various other little bits and the VAT. Then the stamp duty is on top of that. Which means we need to find just over £2000 to cover the conveyancing and stamp duty costs. Luckily we have been saving hard so we have everything we need.

We have spoken to an online mortgage consultant, from a company called London and Country. I actually found them one Saturday afternoon while I was wondering who it was best to use for our Mortgage, and how much we could borrow. It was so easy you just pop all of your details in, wages, out goings, information about the children. Lots of different things so they can access your suitability for a mortgage and how much someone will lend you. I popped all of the details in and then I was rang back by a lovely lady called Sophie who went through some of the details with me and we discussed fixed mortgage options.

Choosing a mortgage

To start with we thought it might be an idea to go with a 3 year fixed mortgage, however after some discussion and the fact that we are looking to stay in the house forever. We have decided to go with a 5 year fixed mortgage, plus with Brexit looming we don’t know what is going to happen with interest rates and the housing market. So why not.

Sophie gave us a couple of different mortgage options, one with a slightly lower interest rate, however it came with a £999 fee, which was just not worth it. As over the 5 years we wouldn’t save that amount of money, and the monthly go outgoings were not that much different.

The HSBC mortgage is at 2.35% fixed over 5 years with a 10% deposit. Sophie explained the rest of the process. When we are ready to go ahead and make the application, we would only be waiting for 13 days to have an answer back from HSBC which lasts for 6 months. Plus it included the basic survey for the house, which is great as I think some mortgage companies charge for this as well.

Within 7 days we had our mortgage offer arrive, with no issues, no concerns on the property and no conditions on the mortgage. We couldn’t be happier that now we are now just a few weeks away to moving into our forever home.

Now to start planning the interior and to celebrate.

Outfit styling with Fashion World

I love clothes and shoes and bags and jewellery and just about everything else you can buy in online fashion stores. I do like to clothes shop on the high street, but sometimes I just do not have the time to go to the nearest city which is about 50 minutes away from home. So I turn to online fashion retailers.

I generally shop online when I need something for an occasion, it’s not often I have a browse through and buy lots of new things. As much as I would love to do this, I just do not have the time to spend hours looking for new clothes.

Fashion World on-line got in contact and challenged me to put together an outfit with only got in contact and challenged me to put together an outfit with only £100. I’m always up for a challenge and I love to shop so I thought why not.

My outfits from Fashion World

It took me hours to select items that I loved, that would then go with something else. I kept on adding trousers, jackets, t-shirt, dresses, boots, bags and jewellery to my shopping bag. Then removing them, then finding something else.

In the end I was able to put together two out fits for the £100 budget. I chose a two different dresses, pair of boots, a handbag and a belt.

I love dresses, it’s not often you will see me wearing jeans or trousers, in fact I don’t think I have one pair of trousers that are not jeans. I find that you can dress most of them up and down depending on what you are wearing them for.

The first dresses I picked was the Vero Moda Ally midi dress (on the left) is more and everyday dress, that I can wear in with flat shoes, one of my large tote bags and a scarf. Or I can dress it up with the heeled boots, the belt and the quilted bag, which I think would look lovely for a meal out with my Hubby or friends. I wore this dress out for lunch with my Hubby and his Aunty and Uncle yesterday, I had a few people comment about how pretty it is. One of my school Mum friends even asked for the link for it. 

All Images from Fashion World

The second dress Scarf Print Midi (Below) dress Is to me more of a evening out with friends style, I can see it in the cocktail bar while out with my girly friends drinking one to many cocktails. It will go perfectly with the belt, bag and boots. I love the pattern of this fabric, it also feels lovely to wear, if I didn’t want to wear it with the boots I have chosen, I could easily add a pair of heels.

Fashion World have a fabulous selection of different clothes to choose from, and the other thing I love is that they come in a wide range of sizes. The footwear is also available in a range of width fittings as well, which is perfect for me as I have wide feet.

I will be going back to Fashion World when I’m next shopping around for something nice to wear.

What do you think to my outfits?

 

*thank you Fashion World for sending me these items in exchange for this post.*

The Wedding Elements That Will Make Your Day Memorable

It’s hard to make a wedding unique because there have been millions of them throughout human history, and there will be millions more to come. But if you want your big day to be memorable then here are the elements that you have to make special.

Personal touches

Personal touches can really make a wedding memorable for the couple and their guests. This shouldn’t feel like a typical ceremony pulled out of a magazine or even a glitzy Hollywood film; it should feel like your day. Little details can really make the difference. Even the lead-up to your wedding should be memorable. Sending handmade save-the-date cards to your guests will make them feel truly welcome to one of the most important moments of your life. Maybe you could include a photo booth at the reception so you and your guests can all take silly pictures too. That’ll make the event memorable.

The entertainment

Make sure the entertainment is spot on too. If you want your wedding to be unforgettable then you have to set it apart from other weddings. Even the transport to the reception venue could be entertaining; maybe you could take your guests in a party bus or even hot air balloons if you’re feeling adventurous. You might even want to consider looking at professional live bands for corporate and high-end wedding events. That’ll give you and your guests some quality live music to enjoy whilst you dance in an inebriated state. Remember, the entertainment for your big day really does make the whole event memorable. It doesn’t have to be overly complex; simplicity is often the key. Weddings are all about getting on the dance floor with your loved ones and making fools of yourselves.

Dining options

A wedding might be a deeply symbolic occasion that marks the lifelong union of two people, but let’s be honest: everybody’s thinking about the food. You and your guests might feel an emotional pull when it comes to the personalised elements of your big day, and the right entertainment will make the event fun for everybody. However, delicious food is the thing that will tie your entire ceremony and reception together. It will be the icing on the cake, you might say. That’s why you have to make your dining options spectacular if you want your entire day to be spectacular. A wedding needs a good standard of cuisine if it’s going to be memorable for the right reasons; people remember their food-based experiences in life.

Make sure you cater to all of your guests. Have meat-based, vegetarian, and even some vegan options available. Have nut-free options too. You need to think about different dietary requirements and make sure that any guests with allergies or an intolerance of certain foods have their own dining options. As for the cake, you should think outside the box. Many traditional wedding cakes are fruit-based, but that might not be your favourite flavour. Why settle for a bland and unexciting cake on your special day? Get a Victoria’s Sponge or a classic chocolate cake to celebrate your matrimony. If you choose a flavour that you and your guests actually enjoy then the cake will be more than a symbolic fixture of the day; it’ll be a tasty and iconic memory that sticks in everyone’s minds.