Owning your own home

Drain guard, stops leaves and other crap getting into your drains.

Stops things getting out, too...

And is the raised section for the same reason? Ie why isn't it just flush with the ground with a grill on the top?

The rats have built a drain loft conversion

I'm seeing this a lot. I know a few architects and builders who specialise in domestic extensions whose work is drying up and they are worried.

I had to work quite hard to get my loft conversion to make a "profit". However, even if it only pays its way, we wouldn't have been able to buy a bigger place, but can pay for the loft in various/staged ways; so can move up a step on the ladder incrementally.

The price of bricks at the moment. Fuck me.

Are people factoring stamp duty into these move-or-extend calcs?

SDLT, movers, agent & solicitor fees would be most of a loft I’d have thought.

Didn’t mean to reply to you Howard

Stops it filling up with grit and muck from the surroundings when it rains

^cheers

SDLT, movers, agent & solicitor fees would be most of a loft I’d have thought.

You'd have a better idea than me. But I'd of thought nowadays SDLT, movers, agent & solicitor fees would only just about cover the OBS.

Half a loft maybe. £750,000 property would be £60,000 in SDLT + maybe £20k in fees

Are people factoring stamp duty into these move-or-extend calcs?

I would have thought so.

And then there's the "just what you want" factor. IE, even if you move you will likely be spending money to get things as you want them whereas with an extension this is factored in. The counter-point being that a crap conversion will always be crap and so it has to match the quality/space of the additional space of where you can afford to move to.

Heart bleeds for them, they have made a fucking fortune the last 3 years and now its biting like everyone else is.

The price of EVERYTHING Howard now.

Architects not so but yes many builders have been making hay whilst the sun shone. Can't say I blame them

A rat mansard.

If any of them fancying coming to Manc and knocking through a wall/building a partition wall then I've got some cash for them.

I was given a rough cost of 50-70k to extend a single bedroom. No foundations needed, but a beam and tying in the pitch roof. If we'd been here longer than 18 months I'd probably consider moving

Er what? £25k SDLT no?

Where in Manchester, my brother recently had some work done and they were pretty decent.

He’s in Levenshulme but pretty sure they cover south Manchester.

A few other mates have done knock throughs using one of their footy team mates whose a brickie but had really good results but had to manage the process more closely, ordering steels etc.

border of Gorton/Denton so actually pretty close.

I got the same.

... so the cost of the OBS, right?

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So to continue the eg, say the previous place is 600k with 2% agent fees + 2k of solicitor fees + 1k moving costs and we're at £40k vs >£70k.

Don't improve, move.

Edit that's not right, as I'm not inc. mortgage porting costs and buyers solicitors costs so what £45k?

We're aiming to move and do an extension.

What do we win?

Sympathy/pity I guess.

Nothing.

Debt!

Oh yeah. Just went for the first random google page @ 8%

I’m not very good at money.