Note: This is not a guide, but a partial sequence of a full event that I’m currently in the middle of.
I’m currently in the middle of purchasing property for the first time in my life. Now as of writing this I’m 24 years old, and 6 years over the “You’re an adult now, we’re going to boot you out the nest.” threshold.
As of the late teens of the 2000s, I started investing in a Help To Buy ISA. It something that I was completely unaware of until maybe about a week or two before the whole opportunity to get one was closed off to the public, and not that long off being ineligible to start one due to my age at the time.
It was something that was very “detached” to me, as money (showing a weird privilege here) has always been something I’ve been really detached with. But with that lack of bond with money, also comes with a lack of experience in spending it because I never did, and never do spend on myself.
Also, solidifying a lack of experience in transactions and business type things, is also a key contributor to my lack of self-confidence, a lack of experience in life.
I started my first-ever house hunt over a sudden, heavy need for my own space. This need has always been there for me, but it was always fleeting. I was always too “happy” to hold the negative emotion, or it was always too convenient to stay where I was.
Things in my parental household would anger me, sadden and disappoint me. My privacy would feel extremely violated, and I would feel as far as to say, I did not feel safe in my own home.
I have a partial diagnosis of both ADHD and ASD, going as far as to having the verbal diagnosis of a therapist, but nothing in secure writing. My verbal diagnosis was on the cusp of February 2020, by which would’ve been officially recognised later if it weren’t for COVID-19 almost putting a halt to all physical contact everywhere.
So to say that these sporadic and intense urges to move were connected to my mental disability, you’d be onto something there.
This time, however, it’s different. I don’t honestly know what’s fuelling my move. Like a combination of all the small and big things all at once, finally coming together to repair the broken glass. I’m still doing it, I’m still on that train of thought, and I’ve not fallen off for months.
So at first, I was looking at property right across from my work. A second floor flat, 2 bedrooms with a balcony. Situated on the edge of a shitty area, but a colleague of mine (who is a local) informed me that that block is a decent block, and I’ll have decent neighbours.
I went to view the flat and accidentally scared the real estate agent, as I arrived 10 minutes early and caught her coming out of her car.
So to say that these sporadic and intense urges to move were connected to my mental disability, you’d be onto something there.
This time, however, it’s different. I don’t honestly know what’s fuelling my move. Like a combination of all the small and big things all at once, finally coming together to repair the broken glass. I’m still doing it, I’m still on that train of thought, and I’ve not fallen off for months.
People keep asking me, “So how was the flat?” “Did you like it?” “What’s it like?”
Empty.
This bitch empty, yeet.
I am a first-time buyer, I do not have a lot of money to set on a deposit, and I’m buying in a beach-side town. Most property in this area used to be rentals, and they’re all being sold because of new.
The first property I looked at was “great”, and by great I mean there was nothing inherently wrong with the place. And it was a 2-minute walk from work, or 1 minute if you try to traffic dodge.
After a lot of anxiety and faffing around without any confidence whatsoever, I may or may not have hired the first local solicitor I saw and asked them to put an offer on the property.
The bid was unsuccessful, and my bid was 4th from the highest, followed by several others who’d ranked below mine. It was a busy bloody property, with a shit ton of interest.
When going for that property, I listened to the wrong people. A co-worker of mine told me that I was bidding too high initially, as I was close to the market value of the property. And a friend of mine outright said that I was not ready for a move whatsoever, no even ready to buy my own flat. With this confidence blowing measures, I regressed a bit and pulled back, losing me the property. I, however, saw this as an opportunity to build up my tolerance.
I started to view property that I couldn’t afford, picking up some more of the stupid language that’s used specifically for it. Learning the questions to ask estate agents when in the property. I viewed things “way” out of my budget, but keeping realistic with the style that I’d kinda be looking at.
Then, it came up.
Literally 1 property above the one I’d looked at first. I saw it as a sign, and requested a viewing as soon as I saw it pop up.
I went in, and it was dated, and empty. The walls were all painted nice, but unconventional colours, also nice. The dated aspect never bothered me as my things, such as furniture, will be all second-hand anyway. No major damage or anything concerning, nothing needing fixed and nothing worrying. 2 minutes from my work and all it requires is appliances and a bed.
Boom, it’s calling for me, I want it.
I took it. I grabbed that opportunity by the fucking throat.
Not only that, but I made an offer within 24 hours of viewing (as it was the one above the first one, it would be popular as it was cheaper than other flats), market value plus a little extra to give me an edge.
Within that hour, my unofficial offer was accepted.
Now comes the hard part.
Phone calls and endless emails, document gathering, passports, driving licence, prove you have that much, prove you can pay it off per month. The mortgage advisor contacting me every hour to ask for more and more stuff every time. One email she sent me had an opener that had me fucking buckled, though.
To see “Please don’t kill me…” pop up on my email notifications was already funny enough, but from someone I’d consider to “act more professionally” than to use language or a phrase like that was hilarious.
I’m currently now in the process of probably the last few legal documents being exchanged between the mortgage advisor hub and the mortgage lender themselves. (After having to physically go to the bank and get them to print something out, a waste of paper in my opinion). From then, once I’m accepted from the mortgage, I’m pretty sure it’s all about getting the solicitor and the advisor to talk to each other. Then closing down my ISA, getting another statement (ugh, more in-person printing), then putting the money where I’m told to.
Direct debt for the mortgage should be easy enough, but…
Whew…
It’s a lot, but I was ready for this, and I’m glad I’ve done it. I’m getting so much support for doing it and so many people want to help.
There were one or two people who were very adamant I didn’t do this, but honestly, if they were right, then I’d already be fucked mentally right now.
Right now, I feel very on top of things, and it’s been a long fucking time coming.
On getting the house, I’ll post a follow-up, and will be livestreaming my “Keys Day”.
Call me Commander Keys because I’m going down with the ship.
The worse the odds, the better the fight.
jinxlgamez
Doubtful Player 
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