Owning your own home

Hey Mr Jon...

Yes looked at Ecology, not a chance we can easily make it PH, guessed you were going down the route seeing your plans.

We are talking to Buildstore, and they seem quite confident in finance, buying off family makes things a little easier as we can use our cash to do work before actually buying which helps.

Got a structural engineer and potential project manager coming in next week to start being able to work out more precise costs and timelines. Def should catch up, wouldn't mind picking your brains on things, as I don't have many contacts down in Honiton anymore...

@Sam_w I'm off for a 5 week holiday on Monday (la di dah), but let's catch up in April and go over things. Dad will have loads of Devon contacts for you and gets on well with the LA, so you could get his input too.

Nice....

Sounds good, drop me a line when your back, beer/coffee is on me and you can meet Grace...

Have a good hol.

Thanks @Prole for the detailed reply. @JonoMarshall's point above ^^ is why i'm nervous. I'd argue that there is still room for interpretation in the wording of restriction too, for example:they could argue that as the roof lights at the rear would be visible from a public footpath at the rear they fall foul of the "open space" ruling.

Also, as mentioned, precedence can be powerful but it can also work against you. permission for rooflights on the front have been declined precisely because too many properties in the street have already got them. I'm worried that by needlessly registering that we're putting them on the rear slope will cause them to visit site, realize that loads of other houses on the street already installed them under the assumption that they fall outside of the Article 4 restriction and decide to stop further installations by updating the restriction. After all the overall intention of the conservation area status is to conserve the existing character of the area. If they get wind of the fact that everyone's merrily changing the rear of their property with impunity, they may choose to tighten up.

Anyway, I still think getting it cleared before we complete is the lower risk strategy. I'm applying for a certificate of legal development for a proposed scheme (which is different from a pre-planning application) am 90% through the process. Should submit this week.

Dear LFGSS hive mind - I need to check what is 'normal procedure' during a purchase.

I've had an offer accepted on a property. It was a tight bidding war with another possible buyer, but eventually we just tipped the balance. Our mortgage provider asked for a Timber & Damp report and a roofing report. It's come back at £11K to make good.

Is it standard practice to ask for this amount to be taken off the agreed purchase price?

The reason I'm nervous about doing this is that we don't want the seller to ditch us and take the other persons offer, which feels like they may do at this stage (they were pretty fucking unscrupulous during the bidding war).

Any experience / advice gratefully received.

I'd consider how much the delay finding another property might cost you, for example if you are currently renting.

It's common to ask for it. And don't be surprised if the vendor tells you to take a hike because

a) the damp report was (potentially) done by charlatans.
b) the market is rising so they know if they hold fire for a few months the place will have risen by £11k anyway - damp n all.

It's a horrid position to be in and you have my sympathy.

how unscrupulous?

Cheers, value of mortgage left is under £10k so minimal.

What are the actual mechanics of changing who owns the house though. Is it just in respect to the mortgage, I assume a change in deeds is necessary so looking at a solicitor as well?

I'd love to live somewhere like that. SO much potential.

You can do the land registry stuff yourself but I would pay a solicitor to do that, they can draw up the paperwork for the correct joint ownership arrangements so there are no disputes down the line.

I guess the question here is whether it is 'normal procedure'? Might be worth checking other mortgage companies if that's the case.

Is it to do with the period of building or the area that has made it normal procedure?
How was the £11k broken down and is it actually £11k?

Good luck.

Yep potential is what we are buying, plus the fact that the nearest neighbours are a couple of miles away...

Think i'm most excited by all the outbuildings, the house is the building at the front, the three other outbuildings are all stone barns and the old diary and milking parlour.

Grew up somewhere like this.

And that is huge potential.

Indeed it is. Father in law owns all the land around it as well, so won't be any development happening either.

What are the roundy-roundy things?

#ruralignoramus

That's where they make the sacrifices.

Sewage treatment? #cheap4areason

Sacrifice by drowning in poop? What religion is that? Might join.

Invite sent.

Ha! All good guesses... It's an old WW2 air field (where band of brothers was based) so it's old storage areas off the runways

@Sam_w mentioned it being old airfield land - probably pads for aircraft to be held on.

Edit: too slow :(

Yep got it in one

Fuck that's cool.