Owning your own home

Not a miele tho.

What filter has been installed. Installed for the rad system or the water coming in to the boiler.

What boiler is it and what is the issue.

Not a boiler engineer, just have access to boiler engineer parts ;)

The idea that a survey is looking at what is there and telling you what you know from the boiler you have installed that is working with out issue.

I'd look at the guarantee length, but have two properties with different valiant boilers both have had the same issues common issues with combi boilers of the diverter valve and the pressure sensor.

I'd look at the guarantee length, but have two properties with different valiant boilers both have had the same issues common issues with combi boilers of the diverter valve and the pressure sensor.

Miele are great but considerably more money for the same spec

If I could afford, I'd have got an LG. Eco bubble wash sounds great.
I got a Bosch. It's pretty quiet.

What are the actual mortgage terms that cover this?

I should look that up

It is common, broadly for the reasons you describe - there's a risk that a cohabitee can obtain an equitable interest in the property by living there and contributing to costs.

They could, but that beneficial interest wouldn't take priority over a prior legal charge in favour of the lender. The bank might have a genuine interest in having any co-occupiers disclaim any equitable rights on a remortgage but once the legal charge is in place the lender's position is safe.

I suppose the lender might just be being ultra-cautious.

When we did our mortage, there was a bit about anyone over 18 having to sign a disclaimer-type letter saying they agree that they don't own any share of the property. Someone I used to work with had to sign one when her mum moved house as well, she got one of us at work to witness it IIRC

The Miele outlet centre has a B2 graded item for £1259.30.

B2 is ex display / demo or returns with less than 50hrs use.

Also bear in mind your floor, Miele works best on a flat concrete floor. Ours was lovely and quiet when it was in the kitchen. We’ve moved it to a 1st floor cupboard and it’s considerably noisier. It’s not the end of the world but at some point I’ll be pulling it out (80kgs) and messing around with the floor to try and improve the situation.

Agree with everything you’ve written. This was our thinking when we specc’d our kitchen.

To add more we also fitted a Viessmann Vitodens 200-W, It’s the 35kW one.

Our fitters are Viessmann trained so we could get the 10year warranty. The reason we went with Viessmann was because it can be configured to run an openTherm setup. This is functionality we wanted coupled with the evohome / underfloor heating. The burn ratio of the 200-W means that it’s particularly good in an openTherm setup.

ta also @andyfallsoff @danstuff @jackbepablo

Ok I remembered a verbal conversation with mortgage adviser who said if someone moved in I would need to notify them and they would need to sign a statement, but in the terms, maybe not necessary:

Your conveyancer must check if any other person over 17 years old will be living in the property on completion and if they will have any legal, equitable or beneficial interest in the property.... If any other person will be living in the property they must complete and sign a Deed of Consent...

So this is only about the initial purchase, right? Not if someone moves in later? Would this apply again during remortgaging?

You must occupy the whole of the property on completion and throughout the mortgage, free from any tenancies or third party rights of occupation unless we have agreed otherwise elsewhere in this mortgage offer or separately in writing.

I'm a bit unsure what this means, I get that I can't rent it out, but other than that - when are third party rights of occupation acquired? Only through eg a tenancy contract, or just by someone living there?

So this is only about the initial purchase, right? Not if someone moves in later? Would this apply again during remortgaging?

Yes, no, yes.

I'm a bit unsure what this means, I get that I can't rent it out, but other than that - when are third party rights of occupation acquired? Only through eg a tenancy contract, or just by someone living there?

It's a bit unclear as it's trying to be user-friendly and so uses non-legal language. A Significant Other living with you wouldn't have a tenancy, but merely a bare licence which gives them no right to occupy the property without your consent. I doubt a bare licence would count as a 'third party right of occupation' on any sensible reading of the mortgage. I think you'd be fine.

Anyway, the real reason mortgagees include that provision is so that if you do grant a tenancy or give someone else an interest in the property, they're not bound by it. They don't really care if you do or not - they just want to make sure that they're not bound by any arrangements you make. And telling you that you can't do it provides them with that protection.

Ok - thank you :)
That's been on my list of "life things to deal with" for ages and I'm glad to not have to worry about it for another few years.

Trigger warning: air con / room cooling chat.

This is a good description of the key differences between split / window / mono block units.

tl;dw - only buy a mono block if you have to - they do the job but the are less efficient than both window and split units - because they use some of the cool air they've just created to move captured heat to the outside of the building.

https://www.youtube.com/watch?v=_-mBeYC2KGc

Surprised this didn’t get any replies. I am interested myself, or is a water softener a waste of time and money?

Point of entry water softeners: has anyone used one? are they worth it? liquid/salt based system? What do I need to know? Most info seems to be on the same websites that are selling the products - so wary of marketing guff.

My GFs parents house has one and she misses it greatly and she says she would want one when we buy our 'forever' house. This is based purely on how much nicer she says her fair feels washed in softer water.

Have been hearing the same from my wife who grew up in a soft water country:) I will be doing some research on the cost and practicality cause our water seems extremely hard in Nw london

I've lived in various properties with a water softener. Its not something I would choose given the choice. I'm sure it does wonders for the longevity of your appliances but I could never reconcile the amount of extra time wasted rinsing soap off yourself in the shower.

On the flip side, you would have to use much less soap. Or at least that’s what the water softies are saying

I'd gain that back in time saved cleaning taps/sinks - is the hope!