A Dream Come True
We all have a dream
A vision of our perfect world, that one-day we hope will come true.
Whether it is travelling the world, writing a novel or gaining a degree, all our dreams are different and have their own reason. For a young boy in South London, it was no different.
My imagination ran wild as a child. A cartoonist was my early cry. Drawing imaginative characters and thinking up stories were all that occupied my mind. As time moved on a different vision for something in later life became my hold grail. Still, a passion for art continued but a vision for adult life came into my mind, a hope of a fun life.
For many people, in the nineties, there was one television show that popularised a version of fun adult life, Friends. Upon seeing this show, I wanted so much to have my own place to live and in so doing having complete independence. It was my dream vision of adult life. How I would get there I did not know but I knew that’s what I wanted most in the world and one day I would do it.
So here is the story of how my dream came true.
The easy path?
In the real world, things are rather more complicated. Sometimes love and career doesn’t work out the way you hoped. I realised that I just required any job to keep going. Thankfully I had a roof over my head with my parents but after university, I wasn’t on the career path I wanted. Why am I on this path to nowhere? I would ask myself on many occasions. Before I knew it my mid 20’s came and I was stuck in a retail job that I never wanted to stay in and the big 30 was on the horizon. Umm the dream vision of my life did not look like this.
Taking control of my destiny
In part to giving myself a kick up the backside and being involved with redundancy, I had refocused my new career path to be in higher education. Thankfully I managed to get a job in this sector and in doing so I was going to work hard to better myself and earn more money to find a place to live. I had turned off the path to nowhere and onto one that I knew where it was going.
Haart to Haart
After a short time of saving I believed it was the time to start asking the big questions, how was I going to purchase my own place to live? What would I need to do? How much money would I need? The answer to all of these questions was the equivalent of a slap in the face from a financial advisor from Haart. A lot more things would have to change in order for me to be in a position to start searching for a place to live. I needed to bide my time a little longer, just keep saving and look for the opportunities to earn more money.
The myth of shared ownership
Whilst I saving I still did my research. I went to the first time buyer events in central London, where developers and housing associations would showcase properties for help to buy and shared ownership. A chat with a mortgage advisor who told me that in my circumstances Help to Buy wasn’t an affordable option for me. However, he did say that shared ownership is something I should consider. Up till that point shared ownership did not sound like an attractive proposition. Why would anyone want to share ownership of a property with another random person?
How wrong was I? After more research, I discovered that shared ownership is done with a housing association with the option to own the property outright in the future if so wished. I had stumbled across an affordable way for me to own a place to live!
Doing the sensible things
I got a credit card to use for small purchases, to help improve my credit rating. I researched shared ownership properties on the market to know what affordable prices were for me. From this, I aimed for a deposit amount and to have excess money for other fees. I used Noodle to get a free credit rating report. I gained knowledge and did all the right things to be in the perfect position to start searching.
The search begins
In 2016 I started searching for a place to live. I enjoyed the experience of going to properties and picturing my vision in realistic terms. In 2017 I focused my search in the borough I lived in, Croydon. Not the most glamorous of areas but beggars can’t be choosers. Whilst viewing flats closer to home I visited a lovely flat in Purley, which I decided to go for. At the same time, I had a job interview and I was waiting for a decision on both. The response to the flat was the best email ever!
I write to inform you that we are able to allocate the above property to you. Please confirm that you are still interested in purchasing the property by completing and returning the attached form to me as soon as possible. I look forward to hearing from you”
When I read this email I could not believe it. I was so used to reading emails saying, sorry on this occasion you have not been chosen for this property, blah, blah, blah. At work I told one of my friends and I was the happiest person ever. The job was not offered, which was disappointing but it worked out because I probably would have had to decline it so I could ensure that I get a mortgage. My dream was becoming a reality.
Keys in hand
The wait at times unbearable but finally, on the 17th August 2017, it was done. I had the keys to my flat.
We all have dreams, hopes and aspirations. In 2017 I can truly say that my dream came true. It is something that has taken a long time and now it is here I love every minute of it. Purchasing a flat is a huge step of independence and taking control of my life.
Yep that big thing which most people in life are hoping for, I have actually done. I have to pinch myself at times. If I am ever down I just need to appreciate being in my own home and it will always be a happy ending.
What dreams have come true for you?
No need for postcards, feel free to leave a comment…