Congratulations Sean! Since the last time on the forum I have finally been given my full and final date for the 20th of this month..so nervous..

Thank y so much for your help, this whole thing is driving me barmy

Should I leave them to work it out or should I point this out to them when I send the paperwork

Hiya foggy, I've had my 2nd valuation done today - valued at 150,000 this time rather then 160,000

What do u think?

Thank u foggy..rely appreciate your help

So stressful.. I've been in this almost 4 years can't wait for it to end..

If thy do accept F&F, does that mean any extra money earnt or lottery winning (I wish!) is no longer due in??

Thanks bex! Does the method they use to work out equity vary from client to client??

Thy have asked for my paperwork before the end of april..suppose thy will then take 3 months from there..great..

Sooner this is over the better

I'm in the middle of full n final offer with payplan too.. thy hv advised me it takes 3 months aswell..I'm just in the process of getting the paperwork thy require together..

So worrying.. wish u all the best!

Thank u so much for the advice, hope it works out.. have another valuation booked next week.. can I suggest what price I'm happy with to the valuer?

So in other words a valuation of 140,000 and below should poss be the way out

I'm sure thy said if the equity is above 5000 each for my hubby and I we will have to pay,

I worked it out as 140,000 x 45% =63,000 minus 49,000 left on mortgage minus estate agent fees of 4000 = 10,000

We are in a shared ownership property, our share of 45% has 490000 left on it.

No secured loans