The problem with attempting to buy a barn is that the enchanting magic of the moment is sullied by the need to talk about the 'M' word.
We don't need a big mortgage, thankfully. That would be defeating a major objective of our move. No, we only need about a fifth of the barn's purchase price to make her ours. (In fact, our mortgage value need went down yesterday because the folk who viewed in the afternoon also made an offer, but OVER the asking price, which is crazy but, I suppose, reflective of the mad housing market in the south-east at the moment.)
So, in an ideal world we would 'port' our current mortgage across to our new house and add on the little extra we need in the form of an 'additional product.' (Hark at me with my mortgage fiscal-speak!)
We tried, then, to make an appointment with our existing lender, or at least get them to agree to a mortgage in principle (MiP) or is that a loan in principle (LiP) or a product in principle (PiP)? I DON'T KNOW!! Because it has been a pain in the a**e trying to even get to speak to someone today who hasn't sounded like they were some random person who just happened to be walking through the office and answered the phone for the sheer hell of it. Oooh, I was getting well testy by lunchtime, I can tell you. I had ALL the facts and figures ready and at hand to go, go GO...and it was like trying to shove an aubergine through the eye of a darning needle.
And then Super Andy, who is fast becoming the Man in Charge (MiC) and the Driving Force (DF) of this house move leapt into action. By some mysterious Doctor Who sci-fi force he found a dynamic mortgage broker JUST LIKE THAT and spent an hour on the phone to her, occasionally yelling questions down the stairs to me, the answers of which I was able to yell back thanks to my immaculate financial record preparation, and then he was emailing financial proof stuff to her and she is getting back to us tomorrow with, hopefully, a MiP/ PiP/ LiP/ whatever. He is such a S.T.A.R!!!
(The shouting up and down the stairs wasn't helped much by me also trying to hold a simultaneous conversation with my Mum who had pitched up to see what was occurring re: the Theft of Her Daughter from Kent, and our conversation also being a bit shouty because of her hard of hearingness. I am all shouted out.)
Now, I have a confession. Part of the whole extra bit of mortgage is also to do with the barn being a fair bit bigger than the house we are leaving behind. This was NOT in the plan. After all, there will only be me and his Lordship Malarkey, and Phoebs and Flora Bijou Mybug rattling around in the house, and the hens will be taken care of by the half acre of garden. BUT because the garden size was our priority in this house search, the house size came as a bit of a bonus. It just happened. Plus it means we can comfortably accommodate visitors without having to shove them down the Telly Tubby Anderson shelter with a sleeping bag, and lamps strapped to their foreheads.
However, because (for example) our bedroom furniture here is all built in and, therefore, stuck, and the barn will need free-standing furniture, we shall have to buy wardrobes and chests of drawers. And our sofas are little sofas to fit our current little living room, but in our new twice-the-size living room they will look like sofas from the Borrowers' house i.e ridiculous.(I am still feeling nervous about calling the barn 'ours' because I don't want to jinx it, but for the purposes of this exercise, you know what I mean, don't you?)
So a slightly bigger mortgage will allow us to keep some of our savings aside for furniture buying rather than chuck it all into the purchase price. I've been doing a bit of surreptitious furniture perusing on the interwebbly this evening. All practical stuff, of course, although I did stray briefly into the world of dressers because there is a sizeable bit of wall space that WILL need filling. I am sure you will understand!!
Meanwhile, we still can't quite believe how much our future has changed in the space of three short weeks.
I might need pinching soon, to wake me up.