Owning your own home

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  • Aye if your tanks fucked and you are willing to take the risk on pressurising the system batter in. New tanks are expensive now and if you have a tank in place youll get a new unvented in not much bigger a footprint.

    Unvented is head and shoulders above lots for water pressure, get a big rainfall shower you'll think your in a hotel and take full advantage of it.

  • take the risk

    Plumber is doing that part, it was their suggestion.

  • Mostly glad about getting rid of the old manky f&e and cold water tanks in the loft

  • Now is probably necessary, and if you’re fairly lucky.
    10-12 weeks lead time for planning permission, + however long it takes for your chosen architects.

    Probably about 20 weeks until planning is granted, and depending on what time you engage your builders, and if you’re lucky enough that they have a slot open for the work at the time. They will probably only book a date once you have planning granted, so maybe about Nov/Dec this year.

    3/4 months notice for the builder might not be enough.

  • Cheers, this was sort of the arithmetic I had done. I think we may leave it until next year.

    It feels like Spring is the best time to have builders - long run of better weather plus if you are lucky they’ll be done in time to have some uninterrupted Summer time.

  • I suppose if you want builders for spring you’d better get on it and book ’em now. The days are drawing in etc

  • Holy fucking shit, dat water pressure tho. Just had the first shower with the unvented cylinder. Usually we use an electric shower plumbed into the mains as the tank was on the same floor (stand up above the level in the tank and the flow stopped). Now it's insane! I genuinely can't recall when I last had a more powerful shower.

  • Anyone had any experience of damp being flagged in a survey? Terraced house and just on one wall on one of the sides of the property. Did you get an independent survey? Are damp problems generally all fixable it just depends on how much you are willing to pay?

  • fyi here are some indicative dates for reference, from our extension build (in scotland):

    architect engaged: 31 may 2018
    survey: 27 aug 2018
    planning application submitted: 4 dec 2018
    planning application approved: 30 jan 2019
    engineer's drawings received: 24 may 2019
    first tender received: 24 jul 2019
    appointment of builder: 9 oct 2019
    build started: 1 dec 2019
    build completed: 28 feb 2020

  • we leave it on permanently and our elec bill is real damn high (IMO anyway).

    When heated by gas the situation is slightly less awful because the system puts an amount of hot water in to the tank, rather than trying to heat the contents of the entire tank. I read that the cold and hot water in the tank stratisfies so even if a good chunk of the contents is cold you’ll still get pretty hot water out from the top. Not sure how much truth there is in that but running our system boiler for thirty minutes at 2am gives us enough hot for washing up, showers and toddler bath time the next day.

    Depending on how much it’s costing you it might be worth installing a small gas boiler to heat it or even some solar panels to power it. Both will require making holes in things though :/

  • Not in the survey because our surveyor was obviously too shit to notice it but afterwards. Damp in my my bitter experience can be cheap to fix or expensive and unfortunately you sometimes find out it’s cheap after going through the expensive phase.
    You may get more use from a builder looking at it rather than a specific damp survey which may be focused on selling you damp proofing. Does your survey give any reason for the damp - gutters, pointing, rain water runaway, plumbing leaks, blocked airbricksetc if not maybe ask why that hasn’t been included (depending on the type of survey you bought) .
    Sorry probably not much help

  • Mortgages! I need to move somewhat quickly and wondered what the forum thought of this Santander one:
    20 yrs. 5 years fixed at 1.19%, then 3.35% variable. 10% over-payment allowed pa. 5% early repayment fee otherwise. APRC: 2.4%.

  • Thanks for that. 6-7 months to get to planning submitted seems like a long time - in retrospect could that have been shortened or is it just how long it takes?

    In all of that the actual build phase was pretty short (but the most disruptive obviously)

  • I just received an offer for the exact same mortgage so gets an upvote from me!

  • Don't worry about the APR, but its a pretty good deal, whats your loan to value?

  • Looks like a good rate

  • Depends on the scope, but my architect had plans for me within about 3 weeks. Planning permission a bit longer due to some revisions needing to be made, about 4 months for that.
    Had technical drawings about a week after planning permission as the architect had been working on it in the meantime.

    A year between engaging your architect to getting technical drawings seems pretty long!

    We started building the first part of the extension about a month after technical drawings, as we had spoken to several builders beforehand. This was end of 2019 though, so things have got mental since.

  • Freeholder is a guy a few doors down apparently. Estate agent (usual pinch of salt) was trying to tell me it doesn't really matter. I'll find out tomorrow who and his reasoning and report back. Cheers

    Nice. If it's a local who lives there that's much less risky - it's when it's an anonymous third party / company that things can get especially hairy - but good to hear back from him just in case.

  • I did (and I think it's pretty common that it does get flagged because surveyors like to cover their arse).

    I didn't get an independent survey partly because we were going to buy the place anyway and we'd already pushed the price as low as they were going to go and partly because finding someone to do an independent survey for damp stuff seems to be quite a challenge.

    Some of our stuff was easily fixable, some has been covered up for the moment and will be dealt with when we redecorate in a few years. I'd say it's all fixable but it can be frustrating as you try and fix it and then have to wait to see if what you've done actually worked.

  • Seems decent if you're not planning on moving house in the next 5 years.

  • On a party wall or rear or front?

    You should be able to get a damp and timber contractor to come out and do you a report for free as a good guide.
    More comprehensive reports, including moisture mapping, thermal imaging survey, and so on will cost money though.

  • Party wall. We have a damp contractor coming out so hopefully they can give us some more information. Sounds like it’s just a source of frustration and a hole in your wallet so hopefully not as bad as the survey makes out.

  • Thank you - hard to tell how much of a report is a surveyor covering themselves! Probably in same position as you in that we will likely buy the place regardless but hopefully this just means we can go in with our eyes wide open!

  • Thanks for the help, onwards and upwards! An offer £10k below asking was accepted yesterday (in Devon) and now I'm trying to get my ducks in a row.

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Owning your own home

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