Owning your own home

I’ve been doing the skirting in one of our rooms this weekend. Had to go with MDF to match the rest of the house. Much easier to work with than pine or oak. If you’re painting them I’d say MDF and get them primed form the supplier.

It’s an old house. It should have pine, in a nice tall profile.

https://www.reddit.com/r/TVTooHigh/

Hahaha.

Dipped / primed mdf will save you a shitload of effort. Also, considering how thick the plaster is, natural wood skirting may bow over time as moisture escapes.

Personally I prefer simple but tall skirting.

Just ordered the kitchen appliances, quartz worktop and sink/taps. Whole thing for £9,103

Cracking price that! I'll pop that on the 'to remember' list once I get around to the kitchen.

Deed Transfers for Sale and Purchase, Contracts for Sale and Purchase and Mortgage Deed all signed, witnessed and returned to our solicitor.

COME ON YOU BASTARD, NEARLY THERE!

We live in a 70s maisonette. So our skirtings are low and plain and we replaced them with MDF (primed) and then painted.

Have the cooker hood higher than your head height - Cooker hoods have a minimum height, not a maximum one.

Very nice but pricey! We'd need one with less height to squeeze in.
Can't wait to have an oven again and get rid of the death-trap hob.

@TW Challenge is the lack of space above the minimum height from hob!

I love our Ilve a hell of a lot. The only way that is not going to our next home is if I can order a Lacanche to replace it.

Ah - I can't tell if it vents inside or outside - I had assumed out!

You could always hack out some of that cladding...

Skirting Boards. What say you hive mind? MDF, Pine, Oak?

How tall, how fancy?

They should be 150mm tall minimum, more, probably taller on the ground floor (depending on scale of room). Nice Victorian profile on the ground floor (I like a plain-ish Ogee profile though), you can use something simpler upstairs like a staff bead.

Dipped / primed mdf will save you a shitload of effort. Also, considering how thick the plaster is, natural wood skirting may bow over time as moisture escapes.
Personally I prefer simple but tall skirting.

This.
I'm all for using traditional materials but pine will likely warp with the moisture

Lacanche is the dream.

The ones in my giant clock picture are 200mm. Assuming you have high ceilings then I'd say you need something fairly tall.

It should vent out, I can see a thing on the roof, but have noticed smoke sometimes come back in through spotlights further down the kitchen. The previous owner seems to have had a habit of bodging bits so I imagine this means unforeseen hacking and costs!

@stevo_com congrats

Signed, not yet exchanged, but thanks!

Are 5x AIPs a thing at the moment? Is it linked to deposit %?

A house finance question to the forum.

Currently 6 months into a 2 year plan with hsbc. We need approx £100k to pay parents back, a repayment of a car loan and install solar on yhdd we house.

Current lender Hsbc, have advised a second mortgage application. Will this mean finding a minimum 10% deposit to access the additional borrowing?

Are there any other ways to raise this type of borrowing? Please don’t suggest selling the bikes.

Depends on what % your current mortgage is, I'd have thought, ie is there enough equity in house to balance against the 2nd mortgage?

If the bank have suggested a second mortgage, I presume there is.

Will this mean finding a minimum 10% deposit to access the additional borrowing?

Nope

Are there any other ways to raise this type of borrowing?

Probably, but a mortgage will be cheapest I'd expect

LTV on current deal is about 25% on 1.7% fixed for 2 years

So you are mortgaged for 100k on a 400k property or 300k on 400k? Either way if the bank have offered a second mortgage, then you must have enough equity to loan against.