My first time buyer’s journey

Now, this is a story about how I ended up with my own little palace in Southsea. It all began a couple of years ago when I was renting a flat with my friend. Like most 20 somethings, I was quite happy renting. There was no real commitment, when things went wrong I had my friendly landlord to rely on and buying somewhere just generally seemed unattainable and grown up.

However, one day my happy renting bubble was burst when my friend told me that she would be moving out to live in a house with her boyfriend. I had two options. I could go play gooseberry or I could put her room up for rent and live with a stranger. A true believer that three is a crowd and having done my fair share of living with STRANGErs, I wasn’t too keen on either of these.

So, I decided to go talk to my friend Matthew at YesCanDo. I told him my situation and asked him for some advice. I half thought that, when I told him my bank balance and salary, he would laugh me out of his lovely Langstone based office and tell me I was out of my blonde head if I thought buying somewhere could be an option.

To my pleasant surprise, I was wrong and Matthew explained how, with my deposit, my mortgage could actually work out cheaper than the rent I was paying. Win! All I had to do was find somewhere I wanted to buy. A very simple statement. Sadly, a not so simple action.

That night I immediately set up a million different property search alerts and began trawling the internet for flats in Southsea. Within a week I’d already done five property viewings, seeing everything from the bijou to the bonkers.

Luckily, amidst the weird and wonderful, I found somewhere I absolutely loved. It was a cute one bed flat, located just off my favourite Southsea street, Albert Road. I couldn’t have been happier and after sending the details through to Matthew, he agreed it was a great choice and advised me on the next crucial step of making an offer. This advice was very welcome as up until this point my bartering experience had been limited to getting knock off designer bags on holiday. The advice worked and my offer was accepted. Everything was going so well that I was beginning to wonder what everyone was going on about when they say buying a home is the most stressful thing you can do.

Sadly, I soon discovered this when I got a letter from my mortgage provider saying I’d been rejected! Distraught and confused, I rang up Matthew who immediately got on the case to find out what was going on. Within the hour Matthew was back on the phone and explained how the mortgage had been refused as the flat was above a commercial property and it had an open plan roof that made it risky. He said YesCanDo would help me with whatever I wanted to do but it would probably be best to look for somewhere else.

Despite loving the flat, I knew he was right and with YesCanDo’s help I got back on the property search wagon. It wasn’t long before I found a flat that I loved even more and again, with the help of Matthew and the YesCanDo team, I was able to get a mortgage that was this time accepted!

I’ve now been a ‘grown up’ property owner for over a year, something I would have never thought possible without the help and support of YesCanDo

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