Or rather, the bank does, and we're paying them for it for the next two and a half decades...
We also have a lot of work to do.
1. The kitchen. Nothing on this end wall is level (no, it's not just the photo.) I went to our local DIY mecca as soon as I'd picked up the keys, where a couple of very helpful gents sold me a heavy-duty scraper and a pair of safety goggles so I can make a start on the destruction of the tiles this afternoon.
2. The pantry: On the (absolutely massive) plus side, I have a pantry. On the minus side, it's extremely pink. It also needs more shelves, at least one of which needs to be stone (OK, would be nice if it could be...)
3. The hall/ stairway: two bannisters on such a steep stair might be a good idea - the fact that they are at different heights is just irritating. As for that carpet...
The yellow can stay, it makes for a lovely warm welcome to the house, and, inspired by Anna at Door Sixteen, I intend to wallpaper the stair risers - in fact, I've already bought a roll of this Sanderson wallpaper.
4. The master bedroom urgently needs de-wallpapering, before the pattern gives me a migraine! I've got paint for one wall already, and fabric for blinds, now I need to decide on colours for the rest - my starting point's lavender, if anyone's got any suggestions!
5. The living room is probably the least in need of work, except for the small matter of electrical outlets. It has three. All on different walls. And our TV set-up alone needs about five. One of my jobs for this afternoon is to arrange quotes from electricians - we're working on the basis that wiring is a messy job, and is much better done before we start decorating & moving furniture in so we'll probably get the whole place rewired now, bugger the cost.
Part of me wants to build shelving across a whole wall, but that may have to wait until funds allow.
Eventually, this gas fire will be going, too. In fact, maybe sooner rather than later - I'm happy to be without a fireplace for a while. And the gas-man will be coming anyway to check the boiler & install our cooker...
6. The second bedroom & the bathroom are low priorities - they're liveable for now. They'll get some form of window treatments for privacy, and a lick of paint, and we'll work out the rest later.
7. The garden: My good intention is to leave it a year to see what comes up before I start digging it all up & moulding it to my will. I fully accept though that this is unlikely to happen, I'm far too impatient.