Hi all!
I am a llllooooonnnngggg time lurker whom has now decided to step out from the shadows.
I almost bought a house with my partner during the financial crisis only for it too fall apart last minute as the 'mortgage product' got pulled (after we had an offer of a mortgage in writing) - leaving no 90% LTV mortgages on the market.
This mean we had to find a deposit increase from 10% LTV to 25% LTV.
At the time there were many tears, as FTB we thought we were purchasing a lovely new place which I thought I had negotiated an awesome deal on with the developers, down from 220k to 167k