Yesterday went really well we saw the new advisor and she was a godsend she will get us a mortgage she phoned the estate agents and told them she was using the Nationwide and the sale was to go ahead the trouble with the nationwide is you have to do a paper application and post it to them they don't do applications via online but she is adamant they will give us it.

our credit score is fine its to do with our other commitments to loan companies other and my mortgage , credit cards we just come in at 200k which is four times are combined salaries so we are borderline.

If we get this mortgage we will be paying back £805 each month over the next twenty years. We pay at the moment £665 rent it make sense to buy the house we are after was originally on the market for £140k we have made an offer of 115k and its been accepted.