Owning your own home

Should be able to get your golf clubs in the back

Loan funds, would love opinions…

Option 1, borrow on mortgage, 50k, 270 a month repayment, two year fixed.

Option 2, normal line for 23k, 440 repayments fixed for 5 years, plus borrow the rest off family and payback within a similar time frame.

I see benefits in both, but unsure. Hive mind?

Have you used up all your interest free credit card options?

What are the respective interest rates?

Errrrr… mortgage 3.2 and loan 4.1.
Not really a credit card guy, I’ll prob forget the interest free period, and don’t think the builder would accept that form of payment.

Put it on the mortgage but overpay by the difference between 270 and (440 plus whatever you would pay family). Otherwise the additional debt will be hanging around for decades costing you money.

Plus borrowing / lending with family is a recipe for disaster.

BTW are you sure you can borrow additional cash on your mortgage at 3.2%? Thought rates were more like 4-5% now.

Fixed rates are, trackers can be had for ~2.5% but will obviously go up as the base rate does.

Sorry, 3.69% 2 year fixed.

What's the next extreme step to take to cure a damp fully internal wall after chemical DPC and cement render [predictably] failed. Wall is terminally fucked in some ways: lime mortar, fully internal and surrounded by a retro fitted concrete floor that I suspect breached any original DPC.

Actually decommissioned a leaking pipe under the floor (down a 200mx 3ft tube set in to the floor!) but still the dampness comes.

It's retrofitting physical DPC a thing? I know the 'proper' thing to do would be reinstate suspended floor, but there's no way that's going to happen while we're living here.

Not convinced lime alone is gonna work in this case as the wall will just be breathable but damp, surrounded by a very non -breathable floor.

DPC is shit. You need to find where the water is coming from.
Assuming your property is old, post a pic in the attached FB group and you may get some good advice.
https://www.facebook.com/groups/143020647730378/?ref=share

That moisture is just coming from groundwater I think, forced up through the only porous bit of the floorplan left.

I had our water feed in replaced to decommission the leaking pipe. All heating pipes come down the walls, that's the only thing I can think that's left unless our soil pipe is cracked under there.

Actually I should probably get that checked by one of those remote camera guys.

Knocking down the wall and replacing with steel & stud wall would probably be less destructive than ripping out the concrete floor.

You can potentially test the soil pipe yourself for £10 worth of drain bung. Google drainage water drop test.

any plumbers here? @konastab01 ?

what materials might a plumber need other than copper pipes/junctions and TRVs to fit a bunch of radiators? Being charged £90 for materials and just curious to know what those might be.

Consumables?—solder, flux, sanding cloth, mask. Feed the parking meter?

Hard to make that come to £90. Perhaps ask for itemised bill?

Was the system drained down? A load of inhibitor would add up quickly.

^
A bunch?
How many is a bunch and what lengths are the runs. Is there likely to be extra joins to get around things.
Rawlplugs/fixings
Inhibitor

I know you say you’re not keen on CCs but you should be able to borrow a fair bit on an interest free one - which would save you £ with only a little organisation

5 radiators. He also installed a smart thermostat.

Runs fairly large from boiler to furthest away rad about 15 meters. The system was drained yeah. I guess the inhibitor makes sense.

I trust and like the guy generally, so didn't really suspect he was up to anything but always pays to make sure

Nah not doing it. Have 22k of credit on Amex but builder doesn’t accept it.

That sounds like a job I'd be willing to pay someone for.

Curiously, and vaguely related my connection to the sewer appears to be open at the front of my house, I can hear water running when someone's in the shower, there's what looks like an inlet embedded half way in to the wall between my vestibule (can't call it a garden, it's a 1m strip of concrete) and the road. Will probably have to explore that if I ever get around to knocking that wall down. Never smelt sewage out there though.

Can transfer Amex to cash via PayPal gift. Have done that a couple of times

Copper adds up or is that 90 on top?

I bought that myself

Oh shit really? Will do a Google.