Owning your own home

Yeah, seen that. The only reason Norwich is no.1 is everyone there is too pig shit ignorant to know just how damn unhappy they are.

I"M ONLY JOKING NORWICH PEOPLE I"M TOTALLY MOVING BACK ONE DAY.

Nottingham is in the top 10 and therefore proves that list is bollocks.

I meant thermostat for the towel rail - ours must have one or it would just melt down.

I thought underfloor is meant to be left on as well. Ours wouldn't be warm if it was on for only 2hrs so we just leave it on and set it to 60-65F which I think is high teens low 20s C?

Our bathroom is kept warm by closing the door and leaving the towel rail warm it up. Not sure how warm but it was definitely warmer than the bedroom when it was 13degC (before we got the elec heater in there to keep the window dry).

Previously owned by zebras who wanted to remain hard to find...

Hmm. Maybe I should leave mine on. Do you leave it on even in the summer (when it wouldn't ever activate anyway)? You've just blown my mind a little bit.

Does anyone have any experience on getting a mortgage on a property that needs serious structural work?

We have been offered the opportunity to buy my wife's old family farmhouse, which is in serious need of renovation, there is no kitchen or bathroom, the roof is asbestos sheets (we think), one of the external side walls is at a very jaunty angle and there are rooms that no one has gone in since the sixties...

We would love to buy it, as if we don't it will have to go to auction and probably get knocked down and replaced with soulless new builds. We have been offered it for £x, I have half of the money needed from savings and current equity, and I think the property will probably be worth £2x when renovated.

To add to the complexity I started my own company just over a year ago, so only have one SA302 (well will have in April anyway!)

Anyone done anything like this?!?

This is a google earth picture of the farm, obviously not London! but lots of outbuildings etc... couple big enough to be houses themselves! It's right next to a WW2 airstrip, so has all the access roads built by the MOD.

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No, the room is hot enough in summer with the sun light/big windows, we only turned it on maybe late Dec when it finally started to get cold in our place.

We also leave the lounge door shut so it's not constantly trying to heat up the rest of the house.

It's meant to be a relatively efficient heating method (for electric).

I need to leave this thread. It's making my fidgety to move flat, which I can ill afford in terms of time and money. That farm looks amazing. Are they hardstandings for planes just to the left? Buy it and start an airport.

It's Kent - the bar is set bloody low

Its fake grass obv

You probably wont get a resi mortgage because of a combination of your work situation, the structural stuff and the lack of kitchen.

But with a 50% deposit you could look at development finance. Find a mortgage broker that knows such things.

Cheers, figured I wouldn't be able to get a standard mortgage...

Other option is to use savings to renovate the house to the point it can then get a standard mortgage, sounds quite appealing at the moment.

If you can drag that work out until you have a second SAwhatnot then you're away.

Cheers... Well removing the asbestos might take that long...

So long as current owners in no hurry to sell?

Current owner is my father in law, so reckon I could twist his arm! He wants us to buy it, as it was the house he was born in...

.

find a broker that deals with business proprietors / self employed, as a 302 is a fucking pita for finance. a good broker will have arrangements with the lenders for various finance/mortgages, such as > http://www.buildstore.co.uk/finance/self-build-mortgage-types-comparison.html <, and will be more interested in your recent accounts, plus business case and projections for the next 4 years

Was it always the plan to go in high so yhey accecpt the offer and then bring it back down at a later stage?

Found what look to be a few sheets of asbestos piled up against the shed in our back garden.

In case anyone else encounters similar, unless you're in Hillingdon the Corporation of London will collect it for free: http://www.cityoflondon.gov.uk/services/environment-and-planning/waste-and-recycling/household-waste-and-recycling/Pages/Hazardous-Waste.aspx

Note that you do have to bag each piece individually and you should be super-careful when doing so. Read all the info they give and decide whether you think you're up to the task.

Current owner is my father in law, so reckon I could twist his arm! He wants us to buy it, as it was the house he was born in...

If you don't bother it will become yours anyway eventually. Just saying...

Cause unknown, but:

http://www.standard.co.uk/news/london/roof-collapses-with-scaffolding-on-walthamstow-street-a3171946.html

loft extension gone tits up?

That kitchen is darker than my soul.......
And I've spent a lot of time reading the mailonline so that's pretty dark

Not really, the market in my experience around Leyton has demanded that you go over asking but I would always have been tempted to try and squeeze some extra value. In this scenario we didn't go too far over the listing price and I felt there was room to bring it down.