Owning your own home

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  • That would be the sensible option, which is why I don't think it's going to happen.

  • That would be the sensible option, which is why I don't think it's going to happen.

    Closing line for the Brexit thread?

  • Didn’t you say we’d all have rabies by now at one point? I am disappoint.

  • I don't think so, but happy to be shown where I said that.

  • I don't think so

    That's the first sign of rabies

  • I thought the first sign was obsessively weighing bike parts and then publishing pictures of the results on-line.

  • Rabies is gonna be golf club 2020 chic

  • The property I'm buying is an Edwardian terrace that a property developer bought as a wreck, gutted, re-plastered, rewired, replumbed, new bathroom, kitchen, etc.

    Another property a dozen doors down sold at the same time for a slightly higher price (it had a bigger garden and a few more period features but in a "lived in" condition) so I don't feel that we paid much of a premium for the new finish.

    What I'm pondering at the moment is what kind of warranty should be expected on the work. Obviously I expect certificates for the work carried out, building control, etc but what would people expect in terms of a guarantee to fix anything that goes wrong in the next x years?

    We've requested it from the other side but they're not keen.

    I'm somewhat on the fence. You wouldn't normally expect it on a house that you buy but on the other hand that's had all the bedding in so issues are possibly less likely to occur out of the blue.

  • Sorry, i misremembered the context

    "Your children will be born into a flooded world where wars are fought over access to clean water, I think mortgage interest rates will not feature in their top ten concerns - how to survive rabies might well do."

    https://www.lfgss.com/comments/14828842/­

  • Ah, well that's all still true, but now with added viral plagues, which will make the very worst of society immortal (Johnson, Mogg, Dancing James etc), whilst killing normal folk at the age of 40.

  • what would people expect in terms of a guarantee to fix anything that goes wrong in the next x years?

    In all seriousness, none. Unlessnyou can negotiate something, which I'd guess is highly unlikely.

    Even warranties for white goods / windows etc... are likely not transferable.

  • In all seriousness, none. Unlessnyou can negotiate something, which I'd guess is highly unlikely.

    Yep. @aggi If no guarantees have been offered the lack of them is priced in.

  • I hadn't really even thought about it but my solicitor suggested it was something worth trying for.

    It's a slightly strange situation as we are buying the house from a property development company rather than a random punter. However, the property development company is actually a subsidiary of a large charity which uses the property revenue for charitable aims. (This has only been gleaned from companies house, they seem rather secretive.)

  • Anyone know what the likely difference is between the best mortgage rate i'll get as an average punter via. various comparison sites & the best rate an actual mortgage advisor will get? Current deal is up in a couple of months & looking to fix for 5 yrs, low ltv - anyone looked into this recently & was it worth getting someone else to do the legwork?

  • Generally there's not much difference. It just saves the legwork.

  • I'd be saying none either, but then again you should encounter anything unless the work is substandard and be done in a rush.

  • You might get a better rate from one of the direct-only places but for us it was a few £ a month difference over 5 years and using an advisor seems to smooth things along.

  • Cheers, last time I remortgaged my old flat the lender I was already with had a deal within a few quid per month of the best I could find so I stayed with them & swapped online, it was done in a few minutes - this time our current lender is way off the pace with the best deals so will have to put some effort in regardless... at least we've timed it well I suppose!

  • Need someone to quote for roofing and guttering - anyone got any reccos?

  • Anyone got experience of digging into a property's past nefarious use? Mate of mine wants this place, but said he got vibes that it may have been a grow house or something otherwise a bit moody

  • Ask the neighbours

  • :) We did not even ask and we got tons of reports from nosy neighbors of how dodgy previous owners were.... not sure it helped, but it explains some of the bodges we are currently patching

  • Has anyone had a structural engineer in during works/ refurb? Im having a single story extension, which involves raising an existing RSJ higher than its current level ands a flat roof extension to the rear of the house. Had a single structural engineer quote via my architect @ £900 incl. VAT. This seems expensive. What have people paid for similar work?

  • I paid £750 + vat 2 months ago, we put a 4m x3m hole in an existing wall and needed Calcs for the supporting steel (actually ended up as a steel frame)

  • Hmm, similar sized job then and a similar price ...

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Owning your own home

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