Come a couple of days after my first post, I received my mortgage offer and mortgage info package from the provider that my advisor got into contact with. Furthering the depth of how much I’ve been thrown into this largely insane and intense worry about this bog-standard thing that people apparently do once every 23 years?
Mind you… Coming to that whole, “once every 23 years” thing, I’m technically only 1 year behind being 24. Not bad.

The day after, I’ve received my solicitor’s email asking for when I wish to settle the transaction.

Uhhhh… Soon? ASAP? Now? In a week? I don’t know… When do you think is best?
I legitimately have absolutely no clue on a good when for this. So instead of answering or not answering, I ask some side questions about what things I would need to do, and if I should have spare time set aside to do it.
My man knows my game and suggests a date while also letting me know what needs to be done.
He knows the game.

So, here we are, with a settlement date and just kinda waiting for things to fall into place.

3rd of October, I received a few more documents concerning what I’ll actually be buying. Layout of the flat and the ground surrounding it. What’s mine and what’s equally my responsibility as much as every other neighbour.
The solicitor’s checks and stuff.

I have my co-workers arguing with me over whether they’ll be buying me Christmas decorations as house-warming gifts, and my unfiltered, reflex response was “You better fucking not.”
As much as the idea of people buying me furniture/furnishings for my flat greatly embarrasses me and completely feels uncomfortably out of the norm, I’m trying to get them to communicate with each other. There is no reason for me to have 5 kettles, but if they don’t know what each other is getting, then that’s what’s going to happen.

“I am a man… with 5 ovens!!”

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More documents and guess what, these are signing documents!!

Declaration of Occupancy and the big nasty agreement that if I fall behind on mortgage payments, then the bank gets to repossess my flat.
Nasty.

For these documents, you need a witness to sign as well after watching you sign them. It’s recommended that it’s not a close family member, someone who’s going to be living with you or someone you’re close to. So, the manager at your job is probably a good bet.
Getting those signed and also having a read over the qualified acceptance to make sure there’s nothing I don’t understand… which realistically, who is even sure they ever fully understand these legal jargons apart from lawyers…
All I need to do now is close my Help To Buy ISA, get the closing statement and hand it over to the solicitor, along with the other things I signed and that should be it!

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At this point, I am also going to be making a pilgrimage to every charity shop that stocks furniture and:
1. Asking if I can reserve furniture, and if so, how long is it reserved for.
2. If I purchase furniture, how long can they hold it for. As if it’s big items, I may need a hand getting it to my flat.
3. General prices and items held at that shop. I’ve noticed that each shop is a little different.
I’m uncertain if this is down to limits on things they can accept, standards on what they can accept, or just the customers they tend to get.
There are a lot of charity shops where I live, but most only have clothing and knick-knacks. So, I, personally, would assume, if I didn’t know any better, that any furniture I have would either have to be dumped or sold second-hand as there’s no “furniture charity shop”.
I could possibly stop people at the dump and try to commandeer their stuff. However, it’s a long walk out from where I’m situated, and our local dump requires you to reserve allocated time spots to dump… so… no one really goes any more.

And an update from previous post about having a bed, that is no longer the case.
It’s been a while since I was offered it, and they couldn’t hold onto it for that long. That and I’m pretty sure it was just a single bed, but I was never told, and that’s not what I’m looking for anyway.
I do, however, possibly have a toaster and a microwave. But that was from a rapid word of mouth from someone who is not really around all that often any more, so I’m not putting all my eggs in that basket.

The plan is, fridge-freezer, washing machine, bed.
Couch (fold down double bed), Chair (fold down single), Kettle, Microwave.

The rest is all in the air from there.