sorry for more questions people

had out haouse valued by 3 places now, seems to be that the average is 120-125k

we paid 126.500 for it.

anyway, our mortgage is currently 103k with nationwide, now the missus phoned them on friday as a house we like is up for 155k, so if we say get 115k for ours and offer 150k we need to borrow an additional 35k. nationwide will do it on a fixed term of 7.09% - costing us an extra £130 a month! fuck that, as the current rate as we know is 1.5%!!

can you have a 2 seperate mortages with 2 companies etc?

as for 35k we can have between 10 and 20% deposit etc.

its begining to grate that as the interest rate is so low at the moment, yet the mortgage lenders are not passing it on.

this time last year for the same ammount with nationwide, we would have been paying an extra £40 a month, yet couldnt find a house we liked enough!