Owning your own home

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  • does the boundary look like that on the plans? Why couldn't you change it to a right angle? Do you need to store bins in there? I'd personally go for more gravel and plants and a path. Whatever paving you get will need weeding anyway. Why not add some nice plants. I'd also go for a hedge, even boring old privet. Great for privacy and birds...that way you can just build a low wall...

  • If I see an area needing some change around our house my first thought is what can I plant.....

  • Not sure, although I would suspect so given that the ones on the neighbouring streets have the same angle. I'd prefer to keep it the same as the original others too.

    Main reason it needs doing is so that I can put a bike shed on it and there will be bins too. Will have a few plants in pots but it's quite tight for bike storage so won't be too much scope for plants unfortunately.

  • fair enough! it's actually a cute little feature. I'd still try and squeeze a hedge in then :)
    i live on a corner plot and it's quite a pain in the bum, 3 x cost of other houses in the terrace for everything!

  • DM'd. He mostly does driveways and garden/landscaping work, lives in Cheshunt I think.

    Will chat nonsense all day long to anyone in earshot.

  • Are you allowed a shed in the front?

  • We are in . First house at too late an age . But we are happy and house seems good . Se20 if I have any new cycling neighbours . :)

  • Whopeedoo!
    Hope that you are settled swiftly.
    I'm down the road in SE23.

  • I know but min there seems to be ground works involved folk seem to see ££££

  • Thanks fella. Yep absolute chaos , but pressure off now and we have time over the break to sort things.

  • Selling your home is kinda weird, eh? We've removed some stuff to make it a bit more of a blank canvas for prospective buyers. Now it's a case of showing people round, and in-between that feeling a strange sense of melancholy that we'll be moving. It's a good move, I think, but it's hard to leave a home.

  • is that london?

  • cool modern house in Bristol . Saw this get built as used to live round there and its opposite a great pub. Lot of effort to only live there for a year a or so

  • had some funny nights on that road! friend of a friend rented a house there years ago and we could climb out of a velux and walk across loads of the roofs in that street. Needless to say he didn't stay there long...

  • is that london?

    If EN1 counts as London

  • Coming to sell and I realise I've been a bit hapless on complying with the relevant regulations in relation to our small bedroom renovation done a few years ago. I got the remains of a chimney stack removed - this didn't previously exist below or above 1st floor level, just the bit in that room, resting on the steel below. Big structural stud put in as per engineer's drawing, but for some reason I didn't get building control involved, seem to remember coming to the conclusion that it wasn't required at the time, but now I'm doubting that. Emailed my LA BC department to check.

    Also got the builder to install a replacement window but now realise that I should have probably paid for someone FENSA registered to do it and got the certificate. At least if I have to get BC out to sign off the wall hopefully they can do the window at the same time?

    Thinking an indemnity policy is probably the cheapest and most expedient option here though.

  • Carpet cleaners? Is it better to rent one or buy a cheap one? Do they actually work? Do you have to move all the furniture out of a room or can you get away with doing half and then the other half?

  • Get a man in with a commercial one.

  • Totally unqualified, but unless you have done it without freeholder permission and as long as there are no fire safety issues, I would put it on the market and wait to see if anyone asks. Then offer indemnity as a compromise.

    Sounds like you did things safely. BC signed off a wall removal we did at a glance without even checking the new brickwork and steel reinforcement we added in the basement.

  • I have just hired a karcher one from library of things, think it’s £600+ to buy.
    It sprays and sucks it up, have done one rug and it came up whiter and cleaner looking but will not touch the spot stains which should have been dealt with at the time. It does upholstery too.
    Seems ok but it’s not a miracle worker.

  • We have a buyer already, and they are asking, or rather our solicitor has it in their questionnaire: something to the effect of supply all the relevant docs or a good excuse why you haven't got them. I think not mentioning it at this stage would raise eyebrows and probably quite illegal.

    If I can get it done quickly enough then a 'regularised' sign off should be able to cover the building work and the window hopefully.

  • Ah right, in which case, yeah, regularisation would be ideal. If not, all your plans, engineers drawings etc will hopefully satisfy them. We had BC sign off missing for parts of the place we bought, but I was more worried about whether the work had been done correctly rather than if there was an actual certificate.

  • Bought a property with my partner a few years ago and at the time we signed a trust deed with a 55/45 split; that's how we divvied up the deposit and how we've made mortgage repayments since day one. We're now in a position where we want to amend that split to say 60/40. Any ideas on how to go about this?

    We have a no early repayment charge mortgage so could one party for example make a lump sum payment to increase their overall equity % and then adjust repayments going forward? Maybe it's quite simple and I'm being dumb but I can't get my head around it.

  • I need to renew my home insurance but I'll probably be moving in the 1st-2nd quarter of next year. Does anyone know a provider with favourable cancellation policies, or someone that'll do month-to-month cover?

  • What's the actual question, how to work out the numbers? Personally I'd make a spreadsheet with real numbers first. Although I'm sure someone here will be able to give you a proper formula.

    ... or how to amend the deed? If so you could make a new one or amend the existing one. You'd need to check the terms of the deed first to see if there are provisions to amend. If you're fortunate enough to have the split just in the recitals/intro and one clause then you can diy imo. You just need to read up on how to execute it correctly - for a deed it'll need to be witnessed.
    If it's more complicated then you'll need a solicitor to make sure you don't fuck up wider changes.

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Owning your own home

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