I don’t understand why they got rid of all their stuff? I know we aren’t talking about the most logical thinker here, but who moves house thinking they’ll just buy everything new? And gets rid of baby stuff while actively trying for a baby?
I know she WANTS the instagrift life, and is very committed to manifesting all new house and household items, but getting rid of your belongings in the hope that new free things will land in your lap is just… mad. So irresponsible. Not to mention wasteful and greedy.
The housing market is in turmoil just now, as the cost of living crisis bites. The reality of energy bills the size of mortgages, as well as price rises in all essential items, means that the affordability element at mortgage application is hurting folk who thought they’d be ok. Mortgage companies do extensive checks on who they lend to before they say yes, it’s not just as simple as filling in a form with your income - what are your commitments every month, what are you spending on and where. They scrutinise details she will not have even considered, and they make judgments based on how financially resilient and responsible you are.
I would not like to be a one income family with a spending and debt burden applying for an oversized mortgage right now. Unless it’s been gifted, I don’t think they’ll have a decent deposit, so the LTV won’t be favourable either.