A job, all but the paperwork.

Went to see my ex-superior at my ex-client today, we stepped out an had a coffee.

There were a couple of things I needed from him so that I could get the ball moving on the mortgage application.

• A minimum of a six month contract.
• A minimum rate of £450/day, but £500 would be nice.

Their intention was to make it a four month contract, but I persuaded him that they could make it a six month contract and just terminate it with a 30 days notice after three months, he was cool with that.

And as for rate, they were looking to pay between £400-500/day, so that all looked good, the final figure was to be announce later but he was prepared to commit to somewhere between £450-500/day which was all I needed to be comfortable with the mortgage application.

When the meeting/coffee was done, I headed off towards another meeting with an agent, an actual good one who wanted to meet a potential candidate before sending a CV to a client (unheard of these days!).

En route to the other meeting, I phoned up the specialist Independent Financial Advisor (IFA) that I have found who specialises in dealing with contractors, he manages to arrange mortgages based upon multiples of daily/hourly rates rather then the usual salary. Lets face it my salary is small and my dividend income is huge, its a great way of reducing taxes paid, problem is most mortgage lenders don't include dividend income in your calculations. :( I got him on the ball, getting an agreement in principle for the mortgage.

I also called the estate agent and made arrangement to see the property at night, to make sure it was still OK in the dark.

After my second meeting, I rushed home and then drove onto the Stapleton Hall Road (while giving financial details to the IFA on the hands free, very naughty!) and had a look around.

It still looked nice, the property is on the market for £370K, I put in an offer for £335K. And stressed all the stuff from the previous post as discussed with my brother and his girlfriend.

The estate agent said that I would have to be vetted before they would contact the vendor with the offer, and to that extent someone from a mortgage brokerage would contact me tomorrow morning to ask a few questions and see if I was good for the mortgage.

I also got the number of the solicitor who did my brother's conveyancing, she managed to get the whole thing done very rapidly, so I'm going to instruct with her to do the same rapid job for me. I left a message on her voicemail (obviously this was after five, and all solicitors have gone home at five on the dot! :)

Obviously I don't expect my first offer to be accepted, but you never know... Stranger things have happened. Fingers crossed.

Lets see what happens! Excited! That's! Me!