Owning your own home

I used Habito. Richard got me a larger mortgage, at a better rate than anyone else could (I shopped around quite a bit). The process was far smoother than when I initially secured a mortgage through London and Country.

Shit that is a lot of very useful information - thanks all and hopefully I'll back with more questions in the event I've not really ballsed up my estimations and can actually afford something!

I found habito much better than LandC, easier to use and much less pushy. LandC were very keen on me using their solicitors and other services.

If someone bought a little workshop like this, what would the costs be? Presumably it gets a leccy bill like any house does, and water too? Is there council tax to pay on it? Or business rates?

https://www.zoopla.co.uk/for-sale/commercial/details/51996341?search_identifier=a001983be6bf30fea62d69874b1771ff

No council tax, but you'd be liable for Non-domestic Business Rates. If it's your only non-domestic property you may well qualify for small business relief though. I get 100% relief on my workshop/storage unit.

Prick neighbour has appointed their own Surveyor despite the fact the only thing she needed to know about was an excavation notice which is hardly something that can be contested.

Found that out after getting home from a meeting about potentially (likely) not having a job for much longer.

What a fucking day!

Where are the sausages?

There are party wall companies who trawl the council planning notices and cold call the neighbours about how they NEED a party wall surveyor. Our neighbours got spooked and engaged one.

TBH we were quite glad in the end. They document the "before" state so it protects you as much as the neighbour. We had no issues but felt safer knowing there was no possibility of malicious/mistaken claims of damage, and in the grand scheme of extension costs it wasn't that much.

Not much consolation today I know, but a bit.

Yeah our other neighbour, who it’ll actually effect, popped over tonight and signed the “no wozza” document. He had 3 letters from other surveyors suggesting he needs to appoint them. Vultures.

Other neighbour doesn’t care about a thing because we treat each other as responsible and decent human beings.

In the grand scheme of things it’s not exactly life changing but still buying up all frozen sausages.

We might be moving to the area 🤞🏻, let me know if you get the workshop 🙂

Has anyone used the barclays savings account mortgage they are offering?

Are you referring to the springboard mortgage

Surveyor not needed unless dispute arises and remember that the surveyor is required to act entirely impartially.

anyone on Lumo energy? got referral?

Yeah, try telling her that...

I want a wall of wardrobes in my spare room. Looking at 2.5m wide and as tall as I can get (up to about 2.5m). Want a variety of clothes rails, shelves and drawers in them.

In the spare room so they don't have to look amazing but obviously don't want anything shit and flimsy.

Ikea is the obvious suggestion and the kind of price range I'm looking at. Any other makes that I should be looking at?

https://www.aplaceforeverything.co.uk/elfa/elfa_gallery_solutions

Cheers, so far as I can tell though this is more wardrobe interiors. There's going to be a lot of shit in there so will definitely need doors.

Yeah the springboard

Doesn't matter a bit what your neighbour thinks though.

I have no idea what she thinks she is disputing but as all she needs to agree to is the excavation works, but she has now hired her own surveyor.

Can someone recommend a lawyer to retrieve my Help to Buy ISA top up? Our current lawyer quoted £150... and that seems quite a chunk for a £600 top up🤬 Unfortunately my gf refuses to change lawyer (she knows him from a previous purchase and swears he his “the best” on property stuff) and I thought I might just get someone else to just retrieve the top up for cheap.... Would that be a mad amount of extra paperwork or actually teach our lawyer a lesson (gf is already selling and we are both buying with him for a sizeable fee)? I have read somewhere that getting the ISA Top Up should only be £50 🤔 Any advise will be truly appreciated 🙏

IKEA is probably the easiest. Very configurable, sliding doors that you can spec with mirrors, all the different sized gubbins for inside. Ours are going strong after 4 years.

Yeah it what I’m hoping to complete. What do you wanna know?

Whatcha mean, thats the one your gonna try get?

I was just wondering if the rates were good or are they good initially and then they horse you when your rate comes to an end?!

sorry should of been clear....I'm in the proess of exchanging using the springboard

Got my offer already already

the rate is higher than what you can get elsewhere at 2.99% but speaking to others the rate is still decent- it's all tied for three year then you can move elsewhere - depending on your situation this option might work for you as we 'effectively' don't have a deposit so its a 100% mortgage