A few years ago, nine to be precise, we moved our mortgage to a different provider. At the same time as switching to a better deal with Abbey (which is now Santander of course), we were also able to take advantage of the equity we had in our home. Luckily for us we’d bought our house before the boom of the noughties so we actually had a fair amount of equity we could borrow against.
You see we were expecting LV at the time. Our car was a standard 5 seater, a tight but comfortable fit for the three girls’ seats in the back, but completely unsuitable for a family of six! We also had some work that desperately needed doing around the house before the baby arrived so getting it all finalised couldn’t come quickly enough.
We had done a lot of the leg work by post but one morning when I was 22 weeks along we had to go into the nearest branch to actually go through everything and sign all the final paperwork. You wouldn’t think a simple meeting like this would be one to stick in someones mind, but of course things can never go smoothly so this is one meeting I’ll never forget!
We’d arrived in good time and soon enough, we were sat in a nice office and offered cups of tea. The kids were made at home on the floor with the snacks, drinks and colouring in I had brought. Quite why we’d arranged this for during the school holidays I’ll never know, but there must have been a REALLY good reason I’m sure! I think the mortgage adviser (let’s call her Maude for simplicity’s sake **Not her real name of course**) was a little taken aback with our pint sized troop but she was lovely and even gave them extra paper from her printer to colour on.
Now I’d already had problems during the pregnancy (which I swear I will write a full post about soon!) so feeling uncomfortable was the norm, but that particular day I hadn’t felt quite right since I got up. About halfway through the meeting I started feeling regular pains. Not contractions. Not enough to really hurt. But definitely pains none the less.
Now Maude could obviously see I was in discomfort and offered to reorganise the meeting. But that was the last thing I wanted! The chances of getting Lee there again was slim to none (did I mention that he REALLY hates meetings like that?), plus if the baby did arrive early, which we already knew was a possibility, the last thing we would be wanting to do was go to a mortgage meeting. So I opted to stick it out for as long as I could.
Poor Maude, I’ve never seen someone convey so much information quite so quickly, while at the same time remaining completely calm, making sure we understood everything we were being told, were making the right choices for us and giving us bare facts so we weren’t influenced by her opinions.
Before we knew it, everything was signed and we were packing up our brood of girls, who had all behaved perfectly might I add, to drop me at the hospital while Lee went in search of a babysitter!
I did spend around a week in hospital, over LM’s third birthday I might add, but luckily I didn’t go into full blown labour and within a week of leaving we had a brand new mortgage and the extra cash we so desperately needed.
I do hope Maude got to have a well deserved cuppa after that meeting, and also got someone else to hoover up the crisp crumbs off her office carpet!
Do you have any interesting anecdotes about what should have been a very dull and serious meeting?
***Disclaimer, this post has been sponsored by Santander, but the story is my own and has not been influenced by them in any way***