The Mortgage Diaries

Moving every 2-3 weeks and being gaslit by my brokers every day. It's a lifestyle.
Presets, Prints, & LUTs ► evanedinger.com
If you're new to my channel and videos, hi! I'm Evan Edinger, and I make travel vlogs of all the exciting places I visit. I started travel vlogging about 8 years ago because I wanted to see more of the world and be able to watch back some of my adventures. I also make weekly comedy videos every Sunday on my main channel usually revolving around funny differences between British vs American things! Anyway, thanks for stopping by!
►Prints & Presets: evanedinger.com
Patreon: / evanedinger
Main Channel: / evan
Twitter: / evanedinger
Instagram: / evanedinger
Facebook: / evanedinger
Twitch: / evanedinger
How I make my videos including gear, lighting, and more:
www.evanedinge...

[@grantparman4705]

Hello, and welcome back to a man who continues to make high-quality and genuine videos despite his stressful housing situation.

[@petervaughan6854]

This!!

[@julia2jules]

In the 80s my mum would take my brother and I with our toys and colouring books to sit in the solicitors waiting room until paperwork was done. Apparently young children with the potential to be noisy influences the speed that the solicitor worked 🤣

[@gemoftheocean]

Evan should borrow one. Someone should start a "rent a kid" agency.

[@mytube001]

This just sounds so crazy! Where I'm from, you talk to your bank before getting into the buying process, and get a loan promise for a maximum amount (based on your income, employment status, credit score and general financial status). THEN you start looking, and once you've found a place, you convert the promise into an actual loan. Takes a few days, and then it's done and you're the new owner.

[@phoebethegreat6253]

You can get what's called an agreement in principle in the UK before you've found anywhere to buy. Basically a bank will say what they would potentially lend you based on your financial position, but it's not a guarantee.

[@bladepanthera]

@@phoebethegreat6253 yeah I literally (about 20 mins ago lol) just got a decision in principle. I really hope I don't go through the same as Evan... 😭 I'm lucky to have family to live with here. I really feel for him, it sounds exhausting.

[@daddywhogames6601]

@Nicky L there shouldnt be any conveyancing as it's a new build

[@mugenjie]

@@daddywhogames6601 Newbuilds still require a conveyancer as well as the lender’s surveyor for valuation purposes. Your own surveyor is less likely to be necessary though.

[@daddywhogames6601]

@@mugenjie ive never bought a new build. Im just going on the fact i told evan months ago..... "oh, youve had an offer accepted..... I look forward to your moving in video in 8 months as conveyancing takes ages" And evans actual response was "its a new build so no need, this will be easy peasy"

[@Angie_King_Bens_Grandma]

A little bit of control really DOES help you hang on when so much is out of our control. You're vulnerability is so apparent. I hope the delays are over soon!!🤞🤞🤞🤞💕💕

[@TalLikesThat]

Even: I've been gaslit for months and things look dark. Also Evan: but i found cookies! Bless you and your contagious positivity ♥️

[@petervaughan6854]

As a self employed person, I feel you pain! It took so incredibly long to get the mortgage approved, and then I exchanged 3 days later and moved 2 days after that. I genuinely hope I never have to move again

[@PlanetImo]

I feel your waiting-for-house stress. These things can really drag on. I had months and months of it after my house sale was agreed. Still had the terrors that it would all fall through until some point during the actual move day. The elation and utter relief once it all eventually happend was unbelievable.

[@DeeDeeKingdom]

Buying a home is one of the most stressful things, you're doing so well keeping so positive.

[@jonjohnson2844]

You're right, but it is something of a first world problem so I struggle to have a lot of sympathy

[@johnhockenhull2819]

5 months of being strung along is not right, even with the UK mortgage market. Once you get to the end of this process you need to be careful with your charges, especially those from the broker. You should take the time now to read through the broker contract - making notes - to make sure that they don’t try charging you for things that you shouldn’t have to pay. Possibly also demand a discount for their inability to move things along at a reasonable pace. Having this amount of instability constantly in the background is not good for both mental health and also the decision making process.

[@Kay-ly3hb]

Hello and welcome back to a man who pronounces sachet in a fantastic way

[@elegancia6179]

HAPPY FIVE HUNDRETH VIDEO !!! Big milestone I just noticed when searching your channel to watch this 😭💗

[@EvanEdingerTravel]

It’s actually more like this channel’s 1000th! Over 500 privated 😅

[@MadSpacePig]

This was essentially an episode on the philosophy of growing a beard.

[@fshbulb1]

I went through a similar situation trying to arrange marriage licences and temporary visa things in Italy late 2019. Dragged on for months as Italian bureaucracy is the devil, but thankfully it all got sorted just before covid shut us down. Small mercies.

[@lania2246]

You made this video so lovely and emotional, all your transitions made it feel like a movie!

[@manuelcheta]

Welcome to Isle of Dogs, Evan. If you wanna have a cup of coffee at the top of one of the residential sky scrapers in the area, just send me a message.

[@Bigdog5400]

Hello everyone, and welcome back to the man with the most positive attitude in all the UK

[@brittanybarajas5286]

I empathize so much with this, had a very similar experience (gaslighting, continuous postponing, lack of communication, etc) but with a potential employer that did not end well. It was absolutely brutal and what I hated most is that I was either waiting (holding onto the smallest shred of hope that rationally made no sense) or being disappointed with further updates or new problems. During this terrible unstable process, I found that talking and relying on my loved ones really helped ground me and not spiral. Also just incessantly giving myself pep talks and emotionally checking in consistently helped as well. Take care of yourself during these times and I hope this all ends very soon for you!!

[@perrypig]

We feel you Evan, we’re currently first time buyers, 7 months in to a simple 3-person chain. The property at the end of the chain has been empty for 2 months now. We have a 7 month old baby and I’ve had to postpone my knee surgery waiting for these lazy solicitors. Standard practice seems to be to send an enquiry and then disappear for a month. Constant prompting required with feeble excuses and making constant mistakes, very poor attitude and we have been told multiple times that we can just go and find another solicitor if we are unhappy despite being at completion point (for over 2 months now). If you treated customers like this in any other job you would have been fired a long time ago. Hang in there bro, we will get through this. They will not defeat us!

[@thegreatsalad]

Good luck 🙏💚

[@thepeanutgallery1699]

I feel your moth pain. I had a company sewing historical clothing (a lot of wool) and I started having a panic attack every time I saw moths...

[@phoebethegreat6253]

Most moths don't damage clothing made of natural fibres, only a select few species.

[@thepeanutgallery1699]

@@phoebethegreat6253 As long as you're moving/cycling the clothing and it's in the light, it should be ok, but I had a *lot* of bolts of wool. It's not the moths themselves, it's eggs/larva that will eat their way out, I believe. And it's not all moths, it's the tiny little white clothes moths. Regardless, like Evan, I now have a phobia of what *could* happen which may seem a bit over-the-top but is a triggering reality. The other thing that freaks me the f*** out is fleas. Usually they'll bite you and move on outside, and they're not usually an issue with today's preventative meds, but after you've grown up with an infestation problem with the old family dog in the 80's where fleabomb after fleabomb wouldn't rid the house of the problem, you have a permanent PTSD response to anything that itches or resembles a potential flea problem. 5 dogs later I've never had a flea problem since, but it's still a terrifying thought.

[@timflatus]

I just want to give you a massive hug right now

[@CulturePhilter]

The ad I got in the middle of this video was for NatWest Mortgages 😳

[@annaburch3200]

Evan, you poor dude. I feel for ya. Having someone else controlling this aspect of your life can be overwhelming. It's nice to feel planted. Sometimes it's hard to be an orchid with roots hanging out all over the place, being moved from pot to pot. Sometimes you just want to be a tree that finds a good spot and grows from there. I hope you find your spot, soon. 😊👍

[@barvdw]

Rotherhithe was the first area I ever stayed in in London (the youth hostel), and yes, I quite liked it too. And so very close to the city centre. Hopefully things work out in the end.

[@RubbishExcuses]

I definitely understand about feeling like you just want to skip through days until a sale goes through. We’ve been living in my parents house for the last five months (very lucky not to have to be moving from place to place but still not ideal) while our house purchase has been progressing and I’m just so desperate to sort things and plan things but I can’t do anything until this sale goes through. I think my solicitor hates me with how much I ring

[@janebaker966]

You defo need a mug of tea with those British biscuits as they are very dry. Could your friend Dodi trim your hair,you'll feel so much better just for that. That's the trivial things. You are just so not yourself,as you recognize,your so subdued,not your usual exuberant self but of course your situation would get anyone down. Your generation are so brave to take on such huge obstacles in buying a home.

[@BennyJlakid]

I’m Never sure whether to laugh or cry. Some how Evan manages to find some humour in what is an impossible situation.

[@chelled.4622]

Ahh Im so invested in this!! I checked my Insta all day Friday and sadly it was not the day :'( Are you still doing yoga? Id honestly be in a straight jacket by now if i was you. This video (in relation to your beard) really highlights the loss of control people feel in this situation (i.e. homelessness.) I really appreciate the optimism you still have, I hope for Thanksgiving this will be completed.

[@laceym314]

I do hope this all gets sorted soon. I can't imagine the frustration, let alone the amount of money spent on all of the Air BnBs. ❤️🤞

[@Torsin2000]

Alternate title: Evan vs. The Moths!

[@danielintheantipodes6741]

I cannot believe what you are being put through! I really feel for you! I was thinking why not get a long-term AirBNB, but if that had been possible, you would have done so in the first place. I feel for you. I hope it is resolved soon. Thank you for the video. Have a fabulous week, hopefully with good news soon.

[@DrawingsFromAnna]

feeling stressed just watching this 😬 hope things get sorted soon Evan

[@libbyford6765]

Hey evan, I am sending my best wishes for you, I have been going through a hard time too so to see you be open about your mental health is really great. That being said, sometimes it helps me to remember that not being ok all the time is ok, and you don’t always have to push yourself up when you still feel unsure of your next step. I hope that makes sense and I that things work out soon for you 💕

[@cait4698]

I totally feel your pain. We sold our house in 2020 to fund the dream of building our own home. Many purchase fall throughs later we finally got a great piece of land. Queue 4 months worth of delay after delay of build permits. Next week should hopefully be the end of it 🤞🏼and I can finally see the light out of this tiny miserable shoebox. I also got my American citizenship in 2020 (I’m British). So I feel like we’re the same person in alternate timelines, it’s oddly comforting though

[@fathimashazmina640]

As a conveyancer I really hope you have a smooth purchase process after you receive the offer 🙌

[@danellis-jones1591]

The English home buying system is awful. Why it's not adopted the Scottish system is beyond me. Or even some other place where it's just easier, like Australia

[@jenjones90]

@@danellis-jones1591 you just hate England.

[@danellis-jones1591]

@@jenjones90 Yes, of course. That's obviously it. Not having a stupidly long and complex system. And obviously because I don't agree with a single system that I hate the country. That's all very logical.

[@politicallyobsessedscholar3860]

Having been homeless I feel your pain. Homelessness is not just sleeping rough, this counts. Maybe reach out to some charities? You can't sign a lease right now due to the transient everything so definitely see if you can access support. It does mess with your mind in all those wild ways. Finding the little joys and getting support helps when everything is sad and overwhelming and neverending. I really hope this works out for you and that you get the support you need. Much compassion and care from a stranger.

[@sarah.93.30]

Hello, and welcome back to a man whose bringing out “today’s the day” merch, just in time for Christmas.

[@agranda6379]

Sending positivity your way. Hoping this will be your last temporary home and you will be settled very soon. Crossing everything for you! 🤞

[@theresaboyle4888]

i hope you get your own place soon evan you deserve it

[@jazminjoyce4253]

Ah I feel for you Evan. Buying a house was the most stressful thing and as we were sorting finance and insurance the pandemic and lockdown hit. But overall it was straightforward compared to a lot of people and I still ended up saying "well I'm glad we like this house cause that's it. Forever. I'm never going through that again."

[@daisytweed2547]

We are in the same situation at the moment. Waiting for contracts atm and just going insane. Your videos are keeping me a little more sane x

[@LinariaFreeze]

I'm just bought a house in the UK as a single, self-employed woman with pre-settled status, and I feel you with the mortgage stress! They just kept asking for any documents they could think of to prove my income and finally approved the mortgage a week before I had to move (I was alone with a dog, no car and had to leave my old place). So glad you got your flat in the end!

[@lorrainehinchliffe5371]

So sorry, the stress is real. Take a deep breath and enjoy the quiet you have.

[@DavidBeddard]

If you haven't encountered it before, I thoroughly recommend the book "A Nice Cup of Tea and a Sit Down" by Nicey and Wifey.

[@andrewhill400]

Like you, my partner and I are going through a house purchase for the first time. The stress of it all is way more than I can deal with. Filling in forms and getting them witnessed for us to be told something is wrong and it must be done again. At the moment we have had 2 weeks of nothing while our Solicitor deals with a cyber attack. We should have been moving in on Friday but we now have no idea what’s happening. I can’t wait for the day when everything is sorted and I am sitting with my feet up and nothing to worry about. We have done the complete opposite of you and are moving 2 hours away from London and commuting in. Main reason being I won’t have to work as much and can drop down to 4 days and hopefully enjoy life a little more than now. Hopefully you get things sorted soon and you can get some peace at last 🏠 😃

[@LonKirk]

I hope everything works out as soon as possible for you. Good videos all round from you. Keep it up. Thank you.

[@clarew7702]

Can you complain about the mortgage broker to the financial ombudsman and claim compensation for the delays?

[@martine6007]

Good luck with your move @Evanedinger

[@ottakringcalling]

I lived with moths for two years and holy hell do I feel your pain. PS: I really hope you never have to move anywhere again. What a struggle mate. I'm truly impressed by how you are holding up.

[@rokstargirl123]

I'm so sorry you're struggling with the homebuying process 😥 if it's any commiseration, I work in real estate and the entire market is like this - brokers screwing ppl over, delays, insane competitive bidding...

[@mishmashmixofstuff]

virtual hugs for you, Evan. I hope everything works out well sooner rather than later.

[@charisse234]

Evan I'm a new subscriber and I'm just going through all your uploads.i came across this one and boy do I know how you feel waiting and waiting especially for a property is like a living nightmare.i have to ask you tho how come you keep going to different b&bs that must be incredibly stressful for sure.peace and love 💖

[@k1r4n97]

Whoever told you that the sale would be complete in a matter of weeks was really messing you about. Most of them take at least 4-6 months!

[@Charliebhoy79]

You're killing it son, keep the chin up, you got this.

[@Danno1983]

Keep ur chin up ! Thers light at the end of tunnel

[@hannahbee567]

Bless you...hang on in there x Curious about the whisky in the storage container:D but as I type this, you've just brought it out hehe

[@amie3632]

I don't think any part of this process moves quickly. My in-law's parents died of covid in November last year and they've only just completed selling his property. A whole year of just dragging out what was already an upsetting situation making it hard to move on for the family. I don't know how it can be solved, the whole system needs an overhaul but who does it? Hope it gets sorted for you this side of Christmas

[@PlanetImo]

I can't say I've ever had a problem with moths.

[@sadmancho]

Finger crossed that you are able to get your own home.

[@pipercharms7374]

hope its sorted out for you soon

[@poli7997]

i really like how you depict leaving places at 8:00 like.. i feel the same way about moving from place to place and i wish i had it documented like this too, all i have are rusty memories :’) but it’s okay! i didn’t watch until the end yet but thank u for the video! love watching your updates hehe and i hope everything will finally go smoothly for you

[@TheMissWin]

Ahhhh I've just started properly looking to buy a house and my god I am nervous! Hope you get moved in properly soon!

[@may01fall]

Hey, just to say I've been really enjoying your videos lately. I've been watching a while but come and gone as a viewer. Really like these current videos. 😌

[@nastjuschechka]

*hugs*

[@roisinmacmahon9429]

Buying property in England (different rules in Scotland) is one of the most stressful things. Really feel for you. I agree, I wish they were more up front at the beginning and say, the fastest this could ever happen is 2 months, but realistically 3-6. Think ours from offer to moving in was 4 months. Fingers crossed for you! Also, taking any amount of control elsewhere in your life makes perfect sense. Good luck!

[@ChillEllenChill]

Feel your pain over the house stress - it's truly a horrible process! We finally completed on our house last month, and the whole process was just one complication after another. The final couple of insults were exchange taking over a week to actually happen. This left 2 days between exchange and completion, at which point we found out our broker hadn't actually covered the full cost of the property in our mortgage. Too late to reapply for the right amount, so we had to find another £2k to stop it from all falling apart. But I promise, it is DEFINITELY worth it once you're in. Good luck and try to stay positive (hard as that is).

[@rachelgates509]

Evan, this is housing discrimination! You may not think it will accomplish anything, but you need to go public! I guarantee you if you even threaten them with your social media presence, and throw in going to the papers or local news is well, they will get to effin work! All of them, the lenders, brokers, maybe even the developers are jerking you around!!! Name names!! I’m praying for you that everything will work out and soon!

[@antonellamR2D2]

The website is really good, you should be very proud 👏

[@lynnb2562]

So maybe it's a difference between America and the UK but I got to be honest I don't get The Moth thing are they like a problem for something? Also I bought my own first house this year as well so I am so feeling your pain.

[@ottakringcalling]

As a person that lived with moths for two years, yes they are a problem. They chew holes into your cloth. And they can't be stopped.

[@lynnb2562]

@@Violet-to4qq I mean I've just never heard of anyone struggling with moths in their house before.

[@lynnb2562]

@@ottakringcalling okay, I am just sitting here thinking about American moths that fly around my porch light and I can't figure out why that is an issue if they get inside your house 😂 thanks for the explanation that makes more sense.

[@PaulaCHeatley]

In my 40 years living in the UK in 12 very varied property types. I have seen many moths in my home, but never had a problem with them. They are less of an issue now a days as we use more man made fabrics. But in the days when all clothes and carpets etc were natural fibres and much more expensive they were a massive issue as their larvae eat natural fibres. A lot of British people associate the smell of moth balls with old people as that generation are more likely to have natural fibres and use moth balls.

[@thebobsful]

Come to Devon! I have lodges...

[@julieparker9581]

Purchased my flat 8 years ago and still traumatised by the process! This country does it all wrong. You can spend months, thousands of pounds, and still end up without a home at the end of it. Madness. MADNESS!

[@nixi-bixi]

I feel your pain, I bought my place 6 years ago. I put a full price offer in beginning of may, moving day was day after completion on 26th of SEPTEMBER!!, no chain, previous owner had already moved out before I put my offer in. My preapproved mortgage offer nearly expired! All whilst extending my stay in a rented house where the contract had ended months ago, hoping the landlord lets me keep the place till I finally move!

[@sarahkendall5714]

Feel your pain Evan! To be fair I was the problem in my small chain as the lender didn't tell me until after I put in an offer that they actually wanted a 15% deposit (rather than the 10% I had budgeted for) because it was a leasehold property - so had to delay by a couple of months to get the extra funds, then obviously still have enough for the solicitors (who charge too much!) You will get there eventually, and I know exactly how you feel about your hair, because I have been doing extreme penny pinching I have not seen a hairdresser and right now I think I could probably apply for the role of Rapunzel in the next panto!

[@katfoster845]

Get proper mothballs. They work pretty well

[@khwezik3894]

Bay leaves work well to deter moths too

[@anrach579]

Oh Evan, my heart goes out to you honey. What are your parents saying? Sending you ((hugs)) from Florida.

[@thegroundedwick2332]

The air bnb video was very funny. . . future Evan will laugh too, I am sure! Sorry it has been so rough

[@madisonj7421]

I'm super late in leaving a comment here but i love the current hair length, it really suits you!!!!

[@froggybangbang]

Can you explain the whole shared-housing thing? Like a shared condo in florida or something I get: each buyer gets a few weeks to use the condo, but when it's your home?

[@Victoriasm31]

Me, throughout this video: I'm genuinely worried about Evan's mental health. Evan: *Pulls out giant packet of biscuits* Me: Aww, he's going to be fine 🙂 Might be the most British thing I've ever said. Anyway, I've only started following you recently but I genuinely hope you're OK.

[@lifetothepoweroffood6106]

You need pheromone moth traps - they work

[@JasperCasper24]

hope you're in for christmas :(

[@CalinSparrow]

Wouldn't it be more comfortable to look for a room in spareroom to avoid moving so often, I understand not getting a full new contract as 12 months is the minimum but spareroom can be more flexible

[@andwhynotindeed9526]

Moving house is more stressful than anything except bereavement or divorce.

[@JennaGetsCreative]

Man, this made me stressed FOR you! I'm sorry it's been so much longer and messier of a process than you hoped. Here's hoping you were right and you've had your last delay. (And I am SO glad that refinancing at the end of a fixed-term is not the same hassle as getting into it in the first place. We've been in our house for 5 years now and refinancing was a breeze compared to getting into the place.)

[@nance1111]

First, keep focusing on feeling good and positive (about whatever makes you feel good), it's key to your mental health and completing your home buying experience. Second, what's the deal with moths? I've never had a moth problem so I'm curious. I'd get your reaction if we were talking about bedbugs. Are moths a problem like bedbugs, or do you just not like them?

[@evan]

They infest. They eat your carpets out from under you. They eat your clothes. They fly into your face the second the sun goes down. They are a menace

[@nance1111]

@@evan I had no idea. I thought there would just be a few and sometimes they ate a hole in an old wool coat tucked in the far back of a closet. The word infest means you must eradicate them immediately. The closest thing I have to that is ants. They come in the house when it rains hard or in extreme heat. So not an infestation, just annoying. On a different note, I've got my "fingers crossed" for you to be in your new home soon.

[@brettcarruthers8838]

Have you considered just cutting your losses on this and goin for a condo or somethin like dodie and Hazel have?

[@TommyCrossen]

Throw the clip of you saying "watchin out for poop" and leaning contemplatively to the window in b&w, and you've got shit noire

[@BC_26fhj]

What happened to the Liverpool move?

[@MartinKSmith]

Is that how we're pronouncing sachet now?

[@GirliestMammy]

💖

[@teddybear555_]

But which area did Evan move to in the end?

[@hederahelix4600]

Very interesting compilation of what's going on with you. I really hope for your sake, that everthing is resolved. Waiting without having control over your life is terrible and I think you are handling the situation really well. A few tings that went through my head while watching: Moths and their larvae can be killed by putting the clothing item in the freezer over night. Or outside, if it's freezing. Some people recommend 60s in the microwave. I'm not sure I would risk it, myself. Regarding the pizza photo - I am not a professional photographer in the slightest but from a consumer point of view, I'd suggest trying to not show the grease stains. I found they make it look unappetizing.

[@EvanEdingerTravel]

Oh absolutely RE the grease stains. That was one thing I wish I could avoid for that photo but I am literally taking photos from a random Airbnb. I don’t have any pizza brick or anything for proper display. I froze my things before moving. Very moth aware!

[@hederahelix4600]

@@EvanEdingerTravel Glad to hear you've moved. Hopefully for the last time in a long while. 😀

[@amykathleen2005]

8:05 hey evan, i think you forgot your camera

[@bexcooper3333]

Hey dude, just get some stickey moth traps, catches the adults Beffore they breed

[@Sim2500]

is this the house in Liverpool?

[@sarabaldeschwieler7763]

Courage ( < pls read with French accent) This too will pass, eventually.

[@gerardacronin334]

Why is the house buying process so difficult in the UK?

[@andrearaimondi882]

Because they all think to be the bee’s knees but they are all crap if you’re not somebody.

[@Philomanie]

This may not be relevant, or you might be past caring, but I wonder if you could make a complaint to a consumer protection agency or relevant professional accreditation body. From what you've described, it seems an unreasonably arduous process. Hang in there!

[@pogzz]

5:20

[@lunalaws]

Please read Gabor Mate book to help mental health.