Sunday, 18 September 2005

Bitter pills

There have been many ups and downs this weekend for me. I'm just suffering here a bit, I think. I have a tendency to get my hopes up, to get emotionally involved in the things I love, the things I want.

Glen and I have been house hunting. We basically got the go ahead last week from our friend to start looking at houses. He said we wouldn't be ready for a while - maybe 4-6 weeks he said. But he said we could look around and just get a feel for it. So, we did. We have narrowed down our search to about 3-4 suburbs. So, we have been concentrating on these suburbs and mostly, we like what we see.

We saw a house on Saturday - it was the first one we saw that day and I am ashamed to admit, I fell in love with it. It was an awesome little 3 bedroom weatherboard, obviously well maintained, someone loved it. The kitchen had been renovated, with lovely blue marbled tiles which spread out into the dining room. The spare toilet/bathroom had a funky clear glass sink - it rocked! It had a lovely deck out the back and huge big yard :) I hassled Glen all day. I kept bringing it up, we saw other places, but I was comparing them to the first one. I am just hopeless.

So, Glen finally caved. We called our friend. He said go for it, he gave us tips etc. I felt positive about it. Until we sat down and I realised one fucken huge big brick wall - I have only been in my job for 6 weeks. I am told that banks won't loan money to anyone who hasn't been in their current job for less than 3 months. So, we have another 6 weeks to wait and this means the house which was severely knocked down in price, will be gone. :( I'm so heartbroken.

I could totally see us living there. I knew when I walked in, that I could live there. It was how I wanted my house to be and I can't have it. The only thing we can do is sit and wait, maybe hope that the house is still there - which I severely doubt. Plus, who wants to sit and hope? That's too much for me now. In fact, Glen and I are laying off looking at houses until closer to my 3 month mark at work.

I'm so pissed off right now. Words can't describe it. Yeh, I know there'll be other houses, but if you know me, you know that I don't shop around and if I do, I usually end back at the place I started at. That's me, I go with my gut and I never regret such decisions. Going with my gut got me to Melbourne, it got me with Glen and it got us to where we are now, because I knew it was right and I could feel it. I hate waiting, I hate treading water when I know my mind is already made up. It's just so frustrating and friggin' annoying.

So, now the next 6 weeks will drag by, I bet you. And you know the crap part that I still haven't worked out? Is it another 6 weeks, or is it dead on 3 months - like I worked out 12 weeks to be 31 October, but technically 3 months is 8 November. So, which one is it? It's all stupendously crappy.

2 comments:

Anonymous said...

Just go for the mortgage loan Sam. Don't even worry about what people say. Most of the time it's bullshit anyway. Have you been out of work recently? No. Can you show a constant work/earning history for the past 3 or more years? I guessing yes. Are you on a short term employment contract? I'm guessing no and that it's ongoing. Have you got a good credit history? I'm guessing yes. Can yours and Glen's combined salaries meet the required repayment minimum? I would assume so.

It's all about risk for the banks. If you were in and out of work every couple of months it would be a different matter. But from what I can tell you've been constantly employed for a sustained period of time, and unless you're on probabtion at your current work, you've got no worries about maintaining your employment history.

You can even get your employer to support you bank loan application, especially if your employer is very happy with how you've been going.

Finding the right lender is what it all comes down to.

verby

Di Gallagher said...

Listen to Verbsy. He knows money. And remember, Troy and I were given a loan that didn't even require a deposit. It's a legitimate loan from a legitimate bank. Go to a Mortgage Broker, as they know far more than your friend and you are not just limited to one bank. Aussie is a popular and legitimate one. Just go for it Sam. The worst they could say is come back in 6 weeks. The best? Well, you know what the best is! Call Aussie, they'll save you!