Owning your own home

See what you dun there.

I came to that conclusion too. However, it could be someone who once exchanged shirts with him too.

Sure it's not Benjamin Mendy?

(That was a joke, his house was this one: https://www.lep.co.uk/news/people/house-owned-by-footballer-benjamin-mendy-and-prestons-freddie-flintoff-is-on-the-market-at-bargain-price-4471734)

Ha! I did see that he was also a City no. 22. I thought the decor was more Dunne than Mendy!

Dunno the kitchen looks pretty criminal to me

It is Dunne.

I think they all live in Monaco now. They have a three-legged greyhound which I think reflects well on them - not the typical accessory dog.

Another mortgage question:
Based on previous advice here, we have a new rate locked in for August when our current fixed deal expires . This rate is lower than that which is currently available but we’d now like to borrow slightly more money (an additional %15 borrowing, LTV remains broadly similar).
Will Nationwide cancel the old rate and do the whole lot at a new (worse) rate, or just add the additional borrowing at the new rate?

Yes.

Assuming that’s yes to the worse option, annoying.

why not complete on the first tranche of money at the lower rate then get a further advance for the second tranche at the higher rate? That way you arent paying the higher rate on the whole lot.

It will mean you have two products running along side each other which might make life slightly more complicated.

Afraid so. @princeperch is right.

Get a second mortgage, even if it’s with the same supplier, for the additional amount

Does anyone have experience on the lead time of securing covenant consent on an extension? This is with Bromley council in our case. Assuming all is positive and they don’t object and want to rip the whole thing down.
Partner and I are buying our first place and the vendors didn’t get the consent at the time of building.
Cheers

Depends on each Local Authority, can take quite a while with no guarantees, I'd keep looking at other properties in the meantime. Make sure you don't buy anything until its signed off!

Nationwide do not lend to repay an existing loan with Nationwide. I've been through this several times.

So the solution is you get a new separate mortgage for the new borrowing. It's not an issue although I've ended up with 4 separate mortgages with them, 3 of them are for quite small amounts.

Yes definitely, without this we walk away. It’s 14 years into the 20 year period after which no objections can be made. The building is also ex-council and the land was too. Seems like someone just forgot to tick a box at the end of the build, so to speak..

It sounds as if I need to speak to them then - I started the online application process for increasing the borrowing but it wasn't clear if it would be for the entire amount or only the additional (£105k vs £15k).
Ideally we'd release the additional borrowing now rather than August but I don't desperately want our accounts looked over as they've not been sanitised yet!

https://somipods.com/products/somipod

I'm torn.

If it was in Tokyo, I'm sure my gut reaction would be, cute, querky, and innovative. But reading how Bill from the Bay Area has managed to boost his rental income makes me want to start throwing grenades.

It's a fake prank/scam tho, surely... product doesn't actually exist, terrible actor 'landlords' in the vids.

Monthly resurrection of party wall agreement chat.

My parent was served a Party Structure Notice with literally a sentence of a description

‘Convert our loft space into a bedroom.’

Am I right in thinking this a ridiculous lack of detail? They don’t want to dispute it necessarily - is it fair to write back and say:

‘we’re not trying to be difficult, but can you provide an actual plan, so we can consider an agreement based on that?’

I’d definitely want to see actual drawings and structural engineer calcs before agreeing to anything!

Your parent should just tell the neighbours they'll dissent unless they provide more details of the works.

You need to respond within 14 days so do so, stating you object due to a lack of detail.

Then ask for them to pay for an independent party wall surveyor as you don't trust them.... Due to a lack of detail.

Double post

Thank you @ectoplasmosis @Brun @Grumpy_Git