Owning your own home

presently we have 2 mortgages with the same bank. One is carried over from our previous home and the other is a new one. As it stands, the products' renewal dates are separated by a two year period and one (the OG one) is due for renewal early next year. The sensible thing to do wold be to consolidate the two mortgages into one, which technically we can do if we renew the one due for renewal for 2 years fixed, after which the two will be aligned, at which point we can go down the one mortgage to rule them all route.

Obviously this comes with the risk of having to face down the uncertainty that will befall us all come march next year with a mere 2 year buffer as opposed to opting for a 5 year fixed now which, whilst seems more pragmatic in the sense that it will hopefully minimise our exposure to the bumpy road ahead, will mean we wont be able to align said mortgages fro some time hence.

any pro tipz?

Did you find out what caused it? Good jerb fixing it.

The cavity below was absolutely stacked to the joists/floorboards with rubble and debris. This had breached the damp proof course and all he moisture leached from outside in...
The walls are a little bit damp but hoping that this will clear up the issue!

Ummmm

are They saying your place is in an area that’s a possible target for redevelopment?

If so at this stage you could sell up and get out.

Once the area becomes an official target for redevelopment- whether a vote has happened or not or there are defined plans in place- you can’t realistically expect to sell your home and you’ll be a passenger.

That's a big old span on just 2x4s - probably not what you want to hear, but another dwarf wall might be an idea.

Other considerations are gaps in the dwarf walls for ventilation. I'm assuming they have DPCs already

Talk to a mortgage person.

Yeah I don't know.

Thanks for your feedback but I'm comfortable with what we've done :)

Same thing with us - rubble had filled the gap between the dwarf wall and external wall, breached the DPC, and the joist were pressed against external brickwork.

And there were literally tonnes of rubble under the floor too.

Feel your pain!!!

1 more room to do now.

Then I can look at the damp on the upper floors.

:_(

I'm finishing the bathroom today and then going to Wood and Beyond to look at engineered oak for the lounge.

I would like to build a cupboard in this space. I'm thinking about paying someone to do it. Any suggestions for who would come to Romford to fabricate a simple cupboard? Thanks!

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It sounds like it.

Were you planning on moving in the short term? If so I'd accelerate that process.

If not, you need to think through what the ramifications would be if your place became unsellable in the medium term, and what might happen if the LA failed to offer market rates to buy you out.

All estates are targets aren't they?
How can I guarantee to sell to only a landlord type?

In short: Ballz

All estates are targets aren't they?

I suppose so, but LAs have only so much time and money, so they go after those at the top of the list. Trick is not to be at the top of the list, or get out before it starts in earnest.

Lewisham ballsed up the latest one.heathfiield. think heygate but not in the press. nyways. Have to chat in the house about this

Well deserved VB! Congrats. When's the housewarming party?

I have a lifetime tracker at .3% above base that I have ported for years. We were given the opportunity on one of the previous moves to extend the date inline with the new product (5year fixed) have a chat with your provider and see if it’s an option.

will do. cheers.

neighbourhood cats shitting by the dozen in our flowerbeds and on our patio and side alley

dogs shitting outside our back gate (many, many shits)

and now someone seemingly shitting in our wheely bin

what's the best anti shit tactic here?

pre-empt them all with my own blend of tynan's anti theft paste?

Funny how forum threads coalesce

I would've started a tunnel and made that a trap door.

https://www.youtube.com/watch?v=rWZbpYK1dSU