I would enjoy sitting in your house and reading a Miss Marple story with a nice cup of tea!
@ms_prescott_regrets5 ай бұрын
Such a lovely idea ❤
@Realvintagedollshouse5 ай бұрын
Oh how I would love to make that come true!
@SarahWilliams-z5u5 ай бұрын
@@Realvintagedollshouseyour next video perhaps !?
@JG-gb3lm4 ай бұрын
Me too!!❤❤
@ladyw20144 ай бұрын
Charming, your home is beautiful in everyway. My husband and I have have lived in our house for 18years built in 1938, we have paid our mortgage off a couple of years ago we love our home we have had to install a stairlift for me, multiple sclerosis unfortunately but we've made it our haven!! Love your gorgeous taste. 😊
@Nyctophora5 ай бұрын
I'm happy that Rosa chose you and you got your house - after so much!
@rla263684 ай бұрын
One of the things that makes your decor so true to the forties is that you have items that are older than that. Normal working people didn’t throw away perfectly good furniture because it was “out of style”. You picking up thrift and previously owned is amazing for the environment as well as an eclectic decor. I am so happy that you and your mom are comfortable and happy. You deserve it.
@sheilafelix1135 ай бұрын
I think the reason your design works is because prior to the late 1950s, people kept what they bought and added to it as they had funds. Money was always tight. So keeping an old sofa and putting a new cover on was cost effective, and a gift of a new trinket or painting was just added to the mix. Post World War 2 is when the ability to spend and build new came about, and when we saw decor become affordable to the masses. And trends came and went, and it became easier to refurnish a room every 10 or so years. Now we have KZbin and people redecorate every 6 months to a year. Chasing the newest look from Shabby Chic to Joanna Gaines. I prefer the eclectic gathered look of hand-me -downs and thrifted items that show a life lived and loved.
@timefortea19315 ай бұрын
Well said and very true! People didn't have matching everything as much as they do today. Young marrieds would be given furniture from great aunts and grandparents, so effectively would be a few decades old.
@jacqueline85595 ай бұрын
@@timefortea1931 Even when we were married, 34 years ago, we had very little. We married, and moved into a tiny 2 bedroom house, just when property prices were sky high!! This was the ONLY place we could afford, but we had little money left after paying the mortgage and bills. We bought a new bed. My parents bought a washing machine and fridge freezer, as Wedding presents. My in-laws bought the cooker and a bathroom suite ( there wasn't one !?) My father in law was a builder, so he fitted that and new kitchen cupboards. We were Loaned 2 REALLY old sofas. So, bed, sofas and no other furniture...Each month we saved a little, We bought wardrobes, dressers, carpets, lamps, cushions. The stuff that makes a house a home. We brought our 2 sons home, over the years, Eventually they outgrew the tiny bedroom they shared. We were lucky to find a buyer quickly, and moved to a new build 3 bedroom house. Then, several years later, we emigrated. Now we fully own our 4 bed/4bath house, which I can't believe! We've been very lucky. Still, those years in our teeny tiny house were very happy! It's who you're with, not what you've got. Every small purchase gave us such joy.....
@finnjones99795 ай бұрын
As an interior designer who specialises in period homes, I love your passion. People always think that you need a lot of money to create a home...and of course that is true but creativity , thinking outside the box and an ability to express yourself through styling goes a long way as well. Everybody deserves to live in an aesthetically pleasing environment, even if it's a tiny flat. Don't underestimate the power of paint, wallpaper, some cushions and artwork ...even if they're pre loved.
@Realvintagedollshouse5 ай бұрын
Ahhh this is so wonderful to hear! xxx
@rinakaur7245Ай бұрын
Can't justify replacing anything thats still fit for purpose. The only furnituee i've replaced in last 20 years is a sofa that used to give me back ache & mattress. Everything else still looks good. Even leather recliners are in good shape - no sagging.
@countesscable4 ай бұрын
We struggled to buy a small terraced house when I was first married in our early twenties (23 and 21) and lived in 2 rooms upstairs with just a £29 cooker, second hand washing machine, old carpet given by my aunt, kitchen cupboards that we rescued from rubbish, outside toilet, No heating. But it had a lovely bay window flooded with sunshine, a garden and the most homely comfort feeling. We did bits and bobs as time went along and struggled through the financial crash with 3 children. 43 years later and we’re still here with it lovely and modernised with 9 Grandchildren to share it with.
@mariahsmom945719 күн бұрын
Ah, Casa de Rosa. What a lovely tribute.
@vickiselekman188423 күн бұрын
Your home feels like a comfy old pair of slippers, in a good way. I love your attitude and concern for the “theme” of history and comfort. I’m so jealous!!
@kellybryson77545 ай бұрын
I am in awe that you could pay off the house in 8 years! That is awesome!
@drleahwatson88804 ай бұрын
I am so happy to hear you say what has bugged me for ages. The videos about houses, including the tiny houses, never give details about how it was possible financially. Good on you and your Mum, your style and personality are winners in my books.
@Flow-cf6uu5 күн бұрын
The stencilling on the floor is from the late 80s, to early 90s. Great video as always. Well done 👏🏼
@MaryFern-q4x4 ай бұрын
I'm thinking Rosa was an old school Roman Catholic, and you and your mother are very blessed now because she was.
@gaylepeltier27825 ай бұрын
I tip my hat to you and your mother. Your house is just so very sweet. What the two of you have achieved is beyond phenomenal. And God bless Rosa for wanting her house to go to a family…..she certainly knew what she was doing. I’ve just recently discovered you on KZbin and Instagram. Now I’m trying to watch all your videos. Bye for now. Love from Canada. 🇨🇦
@mandycaldwell3749Ай бұрын
Me too
@madameraquel5 ай бұрын
I rarely comment on those that I subscribe to, because I'm a weirdo-super-quiet-goth-girl-nerd. But this whole story is one of the most uplifting things I've watched in a really long time. It was also fascinating to learn how home pricing/finance works on your side of the pond. Thanks for sharing =)
@Realvintagedollshouse5 ай бұрын
Oh my goodness. Thank you so much!!!
@kathleenorr92375 ай бұрын
Your mum sounds an amazing woman ❤❤
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@Seahag-xx7zpАй бұрын
You know you’re in your home when your stove has a name Long live Glenda!
@judis62245 ай бұрын
Hats off to you and your mum.😊
@dannicordery34615 ай бұрын
I love your story, your childhood with your mum mirrors my own with my hardworking single parent household. I never went without and she made every rented home (all 12 of them) feel incredibly homely. We also love all things vintage, second hand and Victorian. We now live apart but in 2017 she bought her first and forever home, a small mid terrace that's a treasure trove. I bought our 2 up 2 down 3 years later with my partner, both minimum wage earners so qe had a teeny budget, it hadn't been lived in for 8 years so in bad shape but we have DIYed almost everything and filled it with second hand and passed down vintage furniture. Really glad I have found your channel, its wonderful.
@timefortea19315 ай бұрын
Your house sounds lovely xx
@dinagreaves66865 ай бұрын
Bet it’s beautiful 😍
@lindaparker71995 ай бұрын
You and your mother have done well.
@WithLoveKristina5 ай бұрын
I adore your house and I’m so happy you were able to pay it off!
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@Realvintagedollshouse5 ай бұрын
I so feel like you and me should collab? What do ya say? xxx
@lynseycobden2035 ай бұрын
Good for you and mum!!! Girls out there smashing it. So proud x
@millie89845 ай бұрын
The ability to see potential in things is a great gift to have. You are absolutely right about decorating for you.
@ikulobiocha3 күн бұрын
Oh what a beautiful video I m bumping into ! I m in the same situation as you and your mum , except I am the mum and my daughter is 14 . I deeply feel your journey . And today I am going to sign for our Dream House . I think it is a sign ! Thank you you ‘ve been my angel today 🙏✨
@ONEOFAKINDSISTAH5 ай бұрын
It’s great to hear a lovely inspiring story of grafting, clearing mortgage debt and creating your own personal sanctuary. Bless Rosa, your grandparents and you and your mum.
@veronica-g4w6 күн бұрын
I happened upon your videos on youtube yesterday. Today I found your description of how you actually found and purchased and revamped your property. I am entranced with the love and creativity and confidence you and you Mum have. Nine years and are you still in the same home !! Good on you and your Mum !
@SlapHappyRetirement5 ай бұрын
All I can say is GOOD ON YOU AND YOUR MUM !
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@kristinalundbergh78515 ай бұрын
I so needed a positive and loving story today. Thank you for sharing you and your mother’s inspiring journey❤️
@emmaraft48542 ай бұрын
Inspirational. I wish you every joy.
@Michelle_moonlover5 ай бұрын
I love your home. We dont follow trends and do our own thing too. I love the little nod to Rosa at the end ❤
@Realvintagedollshouse5 ай бұрын
Thank you so much for noticing the end shot 🥰
@annetteperks2 ай бұрын
I love your home and your gas cooker even more. ❤
@adam.kiedrowski2 ай бұрын
You and your mother are so beautiful… I love your content… my grandmother, who was my best friend… And raised me recently passed… So I totally understand the bond you had with your grandfather and how important he was to you… Keep up the great work….. you’ll be the next Ruth Goodman!!
@marysatterwhite19825 ай бұрын
The carved star on your house is for protection. 😊❤
@timefortea19315 ай бұрын
That's a cute idea!
@Realvintagedollshouse5 ай бұрын
Really!
@robinbirdj7435 ай бұрын
I had to create a laundry space in my old house. The basement, where it’s located, was open on 3 sides! Then I found out the house was sliding off its foundation. When I’d dealt with that, I found the whole bathroom subfloor needed replaced; the wood vanity was so rotted, I kicked it apart with three blows and carried it out myself. The upside of the only bathroom being worked on and inaccessible was the air flow to the open basement - you could see right down into it for three days! I had time to think about what I wanted and also determined to make it feel like it went with the rest of the house and that I’d stepped back in time. The OG claw foot tub and fuse box were my inspiration. I found maple flooring for $300 and had it installed for $300, then shellacked it myself. The house hadn’t been heated for two years so all the wallpaper was peeling. All ceilings but two were heavy „ popcorn.“ Some of the windows didn’t close (nor did they open). This year, I found three windows weren’t even glass! The plexi was loose and the amount of air leakage was substantial enough to notice :)) I also designed a kitchen from scratch. Your cooker is AWESOME; you’d love my electric 1927 Hotpoint B&W range! I designed my empty kitchen around it and two Hoosiers . It also has OG floorboards which run the length of the 15‘ room! ❤your channel even more now that I’ve heard your story. I’m also a trauma survivor who landed here in this neglected house as after a tough few years. Old houses are comforting. I’ll sew curtains and bake cookies this morning ❤ Here’s to healing in a house which helps us live more simply.
@hislittlemrs.92355 ай бұрын
Even if you have to move, dont sell, rent it out to people youve researched and verified as good tenants. That way you will always have a home in your pocket if life knocks you down hard. It happens faster than you can imagine. Wishing you a happy secure future.
@heathersantellano27515 ай бұрын
Having had a similar upbringing as the only child of a single mother doing her best, I now find myself in another similar situation in trying to transition from renting to finally buying a home. We have a budget to stick to, and we're still early in the process, but you've given some incredible advice here. I've also found that at least in my area, people want newer homes instead of the quirky and beautiful older homes I'm drawn to. You've definitely made me feel more confident that owning my dream vintage home is totally possible. ♥
@albionessengland626719 күн бұрын
It IS possible: we bought an old place that only the mice wanted. Others literally could not see the potential, so we won out - and there's nothing elbow grease, a scrubbing brush and hammer, drill and nails can't achieve. Keep saving, look for that vintage cinderella - and go for it!
@karateana75934 ай бұрын
That's such a cool house story, stoked for you and yr Mum, your house is great.
@thebatridesagain5 ай бұрын
Currently updating (or down-dating?) my house to the late 70s early 80s home of my dreams. Not there yet but I’m on my way….. Your home is beautiful 😍
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@fionasmall43844 ай бұрын
What a lovely story x
@clairehunter664826 күн бұрын
I love the story of how you bought the house off Rosa and she specifically wanted it to go to a lovely family. So heartwarming ❤
@hetedeleambacht66084 ай бұрын
how great your mum and you get along so well you can live together!!
@celticlassie5 ай бұрын
I love your home. Our dream is to be able to do the same one day.
@Realvintagedollshouse5 ай бұрын
Thank you so much!!! You'll get there! XX
@luisagomes-fw5ki5 ай бұрын
You really know what you want. I do admire you. Keep safe and keep smiling. You are great.❤
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@JD-zb4ve4 ай бұрын
wonderful, beautiful series!!
@Needabreak365Ай бұрын
I saw a meme that said thrifting is so satisfying because it uses our hunting and gathering skills. I prefer thrift and antique stores over big box stores. I also prefer farmers market to grocery when I can.
@autumnfall88295 ай бұрын
You are soooooooo RIGHT!! My hubs and I found a 1920 Craftsman for sale by owner. It has only had 2 owners plus us. We have renovated for 6 years now and it will be paid off in 1 1/2 years, no mortgage. It's my dream home and I've made it 100% ours. Full of antiques and vintage. You step in another time in my home as well.
@timefortea19315 ай бұрын
It sounds a lovely house xx
@soomay98555 ай бұрын
Such an inspiring and encouraging explanation. Enjoy being with your Mum and both revel in your hard work in creating the home of your desires. My Mum and I were also very close, I continue to miss her every day. Enjoy being together x
@SharonGeorge-kb9wu4 ай бұрын
It’s a beautiful house 😊
@asa19731005 ай бұрын
I could listen to you all day you are absolutely hilarious . You’ve certainly got chutzpah
@teenabrown97865 ай бұрын
What an amazing story you have shared. I love the fact how real you have been. I to don’t like all these fancy staged mansions on KZbin. It doesn’t fit with me and my stage of life. I’m 64 and live in a 1930’s mining house in Australia. I love what you and your mum have achieved with your dream home. Well done ! 😍🇦🇺🦘
@vanessacassidy68465 ай бұрын
I adore your kitchen 😍 the 40s are my favourite era. I love the clothes too
@clairebear79023 күн бұрын
Really appreciate the transparency around paying off your house! And well done to you and your mum, you clearly deserve “her” 🏠👏🏻
@harperwood35625 ай бұрын
This is delightful, refreshing, and informative. Thank you!
@sylvain1235 ай бұрын
I'm really inspired by your channel. I too own a 1940s home in Australia. I am getting lots of decorating ideas from you. You have a lovely welcoming home. It's friendly and cosy like a warm hug. I'm hoping to achieve this in my home ☺️ Thanks for sharing your story 🏡
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@sezhouse78975 ай бұрын
You are so confident and strong. Your mum sounds great. What an achievement to own your home. I've never had a home to call my own. Thank you for this video. You have worked wonders in your house and garden.
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@susanmacdonald42884 күн бұрын
Thank you for telling your story...you and your mum have done a wonderful job! And blessing to your grandma for mentioning Rosa's house, and for Rosa in wanting you to have it.
@Likes_Trains13 күн бұрын
Currently in the same situation! Our landlord wants us out and we're trying desperately to find a perfect house to buy before we're made homeless. Both currently unemployed (just had a baby, husband was made redundant) so budget is tight! God willing we will find something. Thank you for the inspiration ⭐
@dee41744 ай бұрын
We did the same. Threw money at the mortgage and paid it off early. It's good once it's paid off! 😊
@1925garden5 ай бұрын
Love the ambience created by mixing vintage and antique items from different time periods. It's much more vibrant and interesting than having everything matching from the same era. Deepest admiration for your frugality and diy spirit. And wow congrats on paying your mortgage off.
@judis62245 ай бұрын
I know how you feel Hannah,been through crap.still standing,looking at buying our own house,then we won't have the rent raised,or sold.must feel safe.😊
@kristinradtke5 ай бұрын
This definitely inspires me to pay off my house, which is very Grandma vintage/secondhand furnished too, by the way. Like you and your mum, I pay a lot more per month than the minimum payment. I'm on track to pay it off in 5 years. THANK YOU for the morale boost! Also, love your stove and bathtub.
@dianeford67964 ай бұрын
What an inspiration you are. I loved this video so much. I think your mum is a wonderful lady and to be able to do all this with her is wonderful. I love your beautiful home so much, it is so cosy and welcoming and has given me so many ideas. Thank you so much for spending this time with us and letting us into your home and your life, Diane x
@darlenebradley6756Ай бұрын
I so identified with your story. When I sold my house in Florida, where I had raised my children, I was shocked to have 3 offers on it less than a day after listing. I, too, took the low bid because it was going to a young, single mother, with the help of her dad. I knew she needed it and it was in a great neighbohood, across the street from the elementary school. It was emotionally difficult to be selling it, but knowing it would be home to this mom and her little boy.
@mandynuttall6627Ай бұрын
That is so lovely! Well done for helping that family x
@carolinebentley43474 ай бұрын
Just came to your channel today, have sat and binged watched 😂 you are an inspiration and I just love your style and down to earth attitude your home is wonderful and I hope you and your mum have many happy, peaceful and prosperous years there.
@TiberiusMarshall4 ай бұрын
Currently in the process of buying a house with my mum and seeing this video has made me so incredibly hopeful and happy and it's so nice to see someone else in a similar situation to us, hopefully in a few years time and 🥹 thank you!!!
@AbsyntheAndTears4 ай бұрын
I bought a house with my mom in 2021, it's pretty much all vintage and antique. Good luck to you and your mom! ❤
@nutmegnutter72344 ай бұрын
This is a beautiful story ❤ thank you for sharing. ❤
@juicer77844 ай бұрын
And paid off the house!!🎉🎉🎉
@gail-elizabethengland78532 ай бұрын
What a fabulous home buying story! If anyone deserves a great home, it's you and your Mom. I'm so happy for you and frankly, I love what you've done with it. I too have a "miracle" home buying story, so I know how all the stars must align to find a place, get a mortgage, pay it off and over time fix the place up. Sending you both great Blessings!
@angelal67005 ай бұрын
I paid off doing same thing! 😊Just without all that revolving paperwork.
@jenarauschke58963 ай бұрын
Beautiful home! Love the vintage style. Also, Wallace and Grommit garden!! Hehehehehhe🥰
@bramberm6628 күн бұрын
Absolutely deserved through sheer hard work and determination ❤, well done to you and your mum!
@marymcmahon29835 ай бұрын
This.. you are absolutely amazing😊Your frame of mind levity and positivity is delightfully contagious. I found myself in your mom’s situation at one time in my life. Have raised a wonderful family of six children. ❤ now find myself. widowed. Your story has just given me fuel and I’m saying, Mary, onward, Christian soldier you and Jesus got this. I live in the States in Chicago Illinois. I’m gonna roll up my sleeves and see what God is going to bring. Thank you, darling you and your mom hugs and kisses from Mary in Chicago…and my gosh, if you’re ever within distance of travel, please stay with me.!!
@thomashiggins14664 ай бұрын
Your home is lovely! Your sweat equity shows!
@shellyj79295 ай бұрын
I love your home. We also have a small home. It looks like a dollhouse next to our neighbors. I’m in the US. We can pay down our mortgage at anytime. It’s interesting how you had to find different lenders. You did such an amazing job paying it off!! Congratulations
@TraceyEvans-o8v5 ай бұрын
What an inspiring story and you deliver it so beautifully. You have created my perfect home, I hope it brings you many years of happiness and security. ❤
@lynnc56492 ай бұрын
Congratulations on paying off your mortgage early. We took on a 'fixer upper' 1950s house and like you, we worked on it over time and paid down on the mortgage saving so much in interest cutting loan time to less than half. It meant being frugal with everything, but it was all worth it. The freedom to do what you wish to your property and the privacy and sense of security is everything in my book. 🙂 Oh and your home is adorable!
@Raylike-x7f4 ай бұрын
You are so sweet. Very happy you found a nice house you could make your own the way you wanted. Good for you and your mother!
@sandraford42354 ай бұрын
My take on your ceiling rose is that everybody had a dining table,it would maybe utility style furniture very plain and chunky and it would be shoved against the wall then the ceiling rose would be over the table for the light fitting .As for the stairs I remember stair runners made from linoleum still patterned with an edging ,it would be held down with a clip on each side of each that could be moved like windscreen wipers if you needed to change the runner .The carpet runner could be held down with brass stair rods on every step .I worked at a place in the 70s that still had a linoleum stair runner .I went to walk down but slipped and my bum hit every stair going down ,I havnt been the same since .haha.Incidently you should see my art work ,it mostly depicts how Britain was in the early 1950s as I was growing up in Liverpool x
@Laura-wb2seАй бұрын
It’s refreshing to hear the story of people who are very honest about their lack of finances. It takes much more creativity and ingenuity to accomplish projects on a tight budget. Looks like you did alright 😅
@eastcoastrabbit44745 ай бұрын
Just came across your channel. I love your inspiring story, and I love your home. There's something very comforting about the 40s & 50s, an era of stability and promise. Very good job on paying off your mortgage. Being debt free is awesome!
@maebee5625 ай бұрын
You are just fabulous!!!!! 😊 Love your vibe, and your lovely little home 🏡
@carlsenlifeafter60carlsen115 ай бұрын
I grew up when they made designs of things like your oven that lasted forever. Once you bought an item, you never had to buy it again. I miss that. I grew up in the 1950s. I recently ordered a kitchen gadget in the whole thing was plastic. I was so disappointed.😢 they just don’t make things like they used to. Everything is just for a few years then you throw it away ,that upsets me more than anything.
@manuelafrohlich93275 ай бұрын
this ia ao heartwarming. thank you 🤩
@johnwynne-qx6br5 ай бұрын
Well done keep on living your dreams
@juliea.extramarieaubertcmo82625 ай бұрын
Cooker from Liverpool yay . You are amazing. Love your videos thank you
@preppyandanimals48335 ай бұрын
Wow great job well done both of you gals !!!
@debby-ex6ir3 ай бұрын
What a fascinating story about how you got the house! I applaud your efforts and I love the vintage charm and warmth you have instilled in your home. I wish you and your mother many, many happy healthy years ahead in your wonderful abode. I just found your channel and love the history and all things British (having visited with my husband and family many times). Cheers from Toronto Canada!!!
@joleneharwood84935 ай бұрын
I love your story ❤️. I feel like the way you saved your money and your ethos of spending and making the absolute most of your home is a true 1940s way of living 🙏 I loved the authenticity
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@LinFo235 ай бұрын
That is absolutely fantastic! I'm blown away by your strength and willingness to do whatever you had to do in order to complete your dream! Well done 👏
@Realvintagedollshouse5 ай бұрын
Thank you so much!!!
@jeansando68495 ай бұрын
Great information! I think you highlighted one privilege you were blessed with and that’s your Nan and her wonderful connections to her community that helped you find this great house! It’s a wonderful way to find the perfect house for you to put all that hard work into.
@eternity-minded2 ай бұрын
Thank you for sharing your new home and how you were able to pay off your mortgage. You were correct in stating that others have not been forthcoming with how they were able to pay off their homes, which places you head and shoulders above them in my estimation. May the LORD GOD bless you and your family.🙂
@laurendamasoruizКүн бұрын
An amazing story. This is my plan for this year, selling up and leaving the city to get a house that needs some loving! Buying a do-er up-er is definitely the best way to get a decent sized home nowadays. Thanks for the inspiration!
@julieemig4325 ай бұрын
Wonderful. Your hard work paid off
@Needabreak365Ай бұрын
I had a similar home buying experience. All the houses I could afford, while technically livable, needed soooo much work. Then suddenly a house I had been stalking online, but couldn’t afford, dropped its price. AND while I was in closing, rates dropped making the payment even cheaper! That house saved me, and when I sold it, the proceeds got us through COVID. It literally saved me multiple times.
@rubylace99634 ай бұрын
This is a very inspiring story and I loved the little tribute to Rosa in the end
@shellyj79295 ай бұрын
I love your home. We also have a small home. It looks like a dollhouse next to our neighbors. Our was built in 1880. I decorate in all vintage styles. Whatever makes our hearts happy. I’m in the US. We can pay down our mortgage at anytime. It’s interesting how you had to find different lenders. You did such an amazing job paying it off!! Congratulations
@albionessengland62672 ай бұрын
In these islands many mortgages are for a period of 25 years (subject to age of applicant/s, set on a 2 year fixed interest and term contract, with the option of making limited 'overpayments' either monthly and/or in lump-sum if one can afford.This knocks years off the time term: eg: overpaying in one year to the equivalent amount of, say, 1 year up to 5 years (dependent upon what one can afford). Just before the 2 year contract is up, one looks for another mortgage lender to switch to with as low an interest rate as possible, fixed payment for 2 years and with a similar allowance for optional overpayments. And if one has paid, say, the equivalent of 5 years during their first 2 years with the original lender then one would only need a 20 year period with this second lender. During the 2 years with this second mortgage lender one does the same, or similar, as done with the first mortgage lender by overpaying each month. Just before the end of the fixed 2 year contract, one switches again to a different mortgage lender. But this time ( because overpayments amounting to the equivalent of, say, 5 years have again been made), one would look for the same type of mortgage loan but for a period of 15 years. And so on, and so on every 2 years until final payment made. This allows overpayments to be made when these can be afforded and, therefore the possibility of outright ownership in a much shorter time than 25 years. I do not know if this is what happens in other countries but it is certainly possible here if one can afford overpayments.
@albionessengland62672 ай бұрын
Lenders compete with each other to provide favourable terms to 'desired' customers and will often also lend in cases of high-loan-to-value with younger applicants: usually at higher interest rates to cover the risk.
@sarahwales62763 ай бұрын
That’s so nice you live with your Mum, I would live with my Mum too. ❤
@ButtercupBerry12345 ай бұрын
what a beautiful house ....well done 🙂
@vashti23895 ай бұрын
We found a beautiful 1941 home (Springfield mo), waiting on the Lord to make it possible for us to buy it. It's our dream home ❤🙏😔🥺
@robinbirdj7435 ай бұрын
I‘m two counties over❤ Praying. Found after I’d moved 2020 miles on my own that my new neighbor across the street was praying for me for two years❤ Also, I’ve lived in a 1941 house. It was so sturdy!
@elizabethharris3713 күн бұрын
What a beautiful story~ How lovely; you and your mom have been through a lot and have supported each other through thick and thin, I would call that love~ all the very best to you both!
@theeyesehaveitКүн бұрын
I just found you here on KZbin. And have watched 3 of your vlogs….one after the other. You have a gift….an enduring and interesting way of describing what you do and where you are-whilst showing us your home and challanges. ❤