Some bad news on the moving front – somehow our Mortgage application has gone missing between the financial services firm and the bank (Royal Bank of Scotland). They’ve now faxed through the application again, and we are waiting to hear the result. A very helpful guy from the financial services firm is going to give me a ring this afternoon to update us on the current situation.

It’s a bit of a pain, although I suspect it isn’t going to make much difference to the timing in the long run – I can’t see any reason that this will delay anything, since the survey has been done anyway, so it is only if RBS have problems with our application that it will affect us.

On other fronts we’ve now (I think) given our solicitor all the details we can. They will need to get some from the Property Management company (at a cost of £105.75) – if we’d managed to put the information together ourselves, we could have avoided this charge, but to be honest, I’ve come to see it as well worth the price to avoid the hassle (in fact, I’d have happily paid someone to do all the paperwork!)

More when we have it on this exciting story…

Not much to say that’s new. Just trying to force myself to complete what seems like completely pointless paperwork at the moment.

We got the survey back, and all was OK, so that’s good news, and should mean that the mortgage isn’t a problem.

So, since there isn’t much to say about the house, I might as well just say what else we’ve been doing. We went up to Bolton to visit Damyanti’s family at the weekend. It’s a long drive, and we were tired when we got home on Sunday.

Visiting Damyanti’s family always involves lots of eating, and this weekend was no exception. When Damyanti’s parents found out I’d lost weight, I think it became a bit of a challenge to get me to eat even more than usual. Apparently Damyanti’s brother told them that Damyanti wouldn’t let me eat!

So – we’ve now finished all the curry and other accompaniments we brought back with us from Bolton, and this evening it’s time for a smoked salmon omlette. Since Damyanti has been working late tonight, it’s definitely my job to cook. She should be home in about 15minutes, so I better go and get started.

We’ve been trying to not get excited about the prospect of moving, as there is still a long way to go before it’s all finalised. However, as things go on, it’s hard not to start planning what we might do with the new flat.

So, Damyanti has bought some ‘house’ magazines, and I’ve been trying to draw out a floorplan:

It’s not exactly to scale, but it gives a pretty good approximation to the size/shape. The room sizes are:
Living Room 14’4×12’4
Kitchen 11’5×8’2
Bedroom one 14’9×10’2
Bedroom two 11’7×10’5

We haven’t got a measurement for the bathroom, and the unmarked ‘box’ to the left of Bedroom One is a cupboard, which is under the stairs which go to the flat above – so only the part at the top end is useable.

We’ve made an offer on the maisonette in Berkley Court, and had it accepted (£215,000). So – hopefully within not too long a time, we will have a new home! Damyanti’s sister wants to buy our flat – so that makes that simple!

We are trying hard not to get excited about it, and so not talking about it much!

We also saw a second ‘financial adviser’ this evening, really just to make sure the advice we got last week was about right. However, unfortunately this one was a bit useless – he had a useless system into which he entered our details (slowly), and also wanted to impress on us how awful it would be if one of us died, had a terrible accident, or were otherwise struck down (of course, in order to sell us life insurance etc.)

He also had to check our dates of birth (for the second time) to then tell us that would apply ‘if we were 45’!

Suffice to say, that we laughed about it after, and won’t be going back to him to get our mortgage.

We’ve been a bit busy this week, but we have found time to view two of the propeties for a second time – this time with some friends for a second opinion. The two that we liked were Berkley Court and Queen’s Road.

After we’d looked for a second time, we decided we would like to put in an offer on Berkley Court. However, we wanted to get some mortgage advice first, so we arranged an appointment for today (Saturday) with the financial adviser at Townends estate agents.

What we discovered was that we could easily borrow enough to offer on Berkley Court – but also, that we could afford a more expensive property if we increased the amount we were prepared to pay per month. So we went home and did some sums, and decided we could push our repayments up to 900 pounds per month. Which means we can look at some slightly more expensive properties.

This has left us a bit unsure what to do. We still like Berkley Court, and feel it is probably a bit of a bargain. There seems less available at the slightly higher prices that fit our criteria, but there are some that might be worth viewing.

So, we decided we should at least view a couple of more expensive places. We saw a couple online, and in fact managed to see one today. This was a Victorian cottage. We were quite excited about seeing a proper house, but the reality was that it wasn’t the same quality as the flats we’ve seen. Both the garden and the house would need quite a bit of work to make it how we would like.

We’ve also booked an appointment to see a property in Lebanon Court on Monday – which actually has an extra room (either bedroom or dining room).

This at least will give us an idea of what we might get for the extra money. I can still see us putting in an offer on Berkley Court (if its still available) – only time will tell.

We were too busy enjoying ourselves last night (had some friends round to dinner – had a really nice time) to write this after seeing two flats yesterday, and as we’ve seen two more this evening it’s definitely time for an update.

5 Grove Lodge
We saw this yesterday. First impressions weren’t so good, the outside was rather dilapidated with peeling paint, and weeds in the yard. It was also on a very busy road – right in the centre of Twickenham though.

When we went inside, the lady living there was very nice, but the flat was rather cluttered – and a bit chintzy for our taste. Although obviously we’d redecorate, it was quite difficult to get a feeling of the size. There was also quite an overwhelming heavy scent which made us feel glad to get out into the fresh air!

So overall, we weren’t too keen. However, there was a nice small garden out the back (shared with the other flats), and also access to a private riverside garden/balcony belonging to another block of flats (Eyot Lodge), which was absolutely gorgeous – and made us wish that we were looking at a flat in Eyot Lodge instead.

Finally there was no gas in the block – but there was a carpark.

So overall, we weren’t impressed but since we were due to see another in the same block later in the week, we thought we’d see what a similar flat looked like without all the stuff in it.

Queen’s Road
We had been warned by the Estate Agent that the second bedroom was very small – which was something that we’d already realised. However, we hadn’t quite appreciated how large the other bedroom and the living room were – really quite spacious. It also has a balcony which runs down the side of both bedrooms – this was a really attractive feature (the balcony wasn’t that wide, but we could really imagine it full of plants). The kitchen and bathroom were both OK – not huge, but reasonably nicely done.

So – this was the first flat that we’d seen which we really liked. The downsides – no central heating (electric heaters and storage heaters), no gas (just economy 7 electric), small second bedroom (would probably fit a double bed, but not much else). However, the location is brilliant (nice quiet road really close to the centre of Twickenham), and we really liked the balcony, and lots of light. I think we felt we could imagine living there.

Berkley Court
We saw this tonight, and this was another one we liked. This certainly felt like the biggest flat we’ve seen, with two good sized bedrooms, a largish kitchen and bathroom, and a nice living room. Wooden floors throughout, and gas central heating.

Some little things that we didn’t like – no oven, only a hob, and the service charges were on the high-ish side (900 pounds a year), but definitely one we think is worth a second look.

8 Grove Lodge
Last one for now. Not a lot to say really – it was fine, but nothing special. Confirmed what we thought really about the other thing – it was fine, but I don’t think we would see it as a move up from where we are.

We had our second valuation today. The guy who did it was very thorough, and took time to measure the rooms (with some clever sonic device), and asked lots of questions about the lease, the central heating system and the like – all the kind of thing that the previous valuer had not been bothered about at all.

And the result? Exactly the same as the first valuation – which probably goes to show that it’s not rocket science.

We’ve got another valuation booked for next week (probably the last I should think – 3 seems to be enough to be going on with) – then we need to decide who to use, and when to put it on the market. I’m starting to get slightly worried about the timing – although in theory it is (apparently) a seller’s market, and we should have no problem selling our flat, it would be nice to already have an offer on ours when we see the one we want.