Home |
Search |
Today's Posts |
|
UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
Reply |
|
LinkBack | Thread Tools | Display Modes |
#1
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
Hi,
I have been a keen DIYer for several years now. I have rennovated 3 houses over 15 years. I can't see how I have caused anyone any problems. All 3 houses are still standing and are much safer, much prettier and much more valuable... Recently I have tried to move to house number 4 - a dilapidated bungalow. At £225,000 it would leave me £75,000 to do the place up. I planned new everything and an extension. This is now not going to happen - cos I can't get a mortgage. I've had two surveyors round and one said 'the mortgage company would not offer a mortgage' and the other said 'congratulations, we are pleased to offer you a mortgage of £190,000... with a retention of £190,000 until you do the following jobs (proceeded to list all the electics, all the plumbing, the roof and the walls!) As a side issue, I am being hastled by my solicitor because I told the truth on my housemove questionaire. - two windows I had put in in 1999 - 'where is the FENSA certificate?' a steel lintle i had put in in 2000 'where is the building control notice?' a new consumer unit I had put in by a qualified electician in 2002 'where is the electrical test certificate'... It will cost me a packet just to get people out to check all this... Grrr The little old lady (in her 80's) who lives in this bungalow I was buying is now going to be disapointed - and instead of getting £225,000 from me, she will have to put it to auction or take offers from a developer - which will mean she can't afford the next property she is really wanting. Is this really a free country? Can this really be the future? When did we ever vote on this? Why do DIY chains exist if you can't use the stuff they sell? How on earth do we change any of this? Philip |
#2
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
On 29 Jan 2007 22:28:57 -0800, wrote:
----------------------------8 Is this really a free country? Can this really be the future? When did we ever vote on this? Why do DIY chains exist if you can't use the stuff they sell? How on earth do we change any of this? Paranoia does tend to wear you down, doesn't it? |
#3
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
|
#4
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
|
#5
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
In article ,
Lobster wrote: The fact that rewiring appears to be one of the mortgage criteria would I have thought make this idea pretty well impossible in the case of your property though - hard to do a quick lash-up there. :-( When I bought this place in the '70s (and mortgages were *far* more difficult to get) the building society insisted on several works *before* completion. Rewiring. Attention to a leaking gutter. Woodworm and rot warranty. Electricity and gas supplies to be on single meters. One kitchen removed. (It wasn't actually two self contained flats as it was a mother and daughter that once shared the house, but had two kitchens and metering) My solicitor arranged for two weeks of access to the by now empty house. before completion and I took those two weeks off work. A specialist firm attended to the wet rot and treated all the timber. Good job too. Another did the guttering. Cowboys. I ripped out one kitchen and did a *very* basic re-wire onto the one meter disconnecting and removing the other myself, as the LEB couldn't give me an appointment within the time scale. Got the gas board to cut and cap the pipe in the cellar going to the second gas meter and remove it. Got the mortgage ok. Their surveyor wasn't happy about the fact that I'd removed the ground floor (original) kitchen and left the upstairs one in what would have been a bedroom. I explained it was temporary as I wanted to do a new decent kitchen downstairs and having a temp working one would be handy - and that he should have specified *exactly* what he wanted. ;-) It's amazing what can be done in a couple of weeks if you really have to. -- *Confession is good for the soul, but bad for your career. Dave Plowman London SW To e-mail, change noise into sound. |
#6
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
|
#7
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
Mick6 wrote:
In article .com, wrote: Recently I have tried to move to house number 4 - a dilapidated bungalow. This is now not going to happen - cos I can't get a mortgage. Have you tried the Ecology Building Society? I've heard they'll support projects other lenders won't touch. http://www.ecology.co.uk/ Thanks a lot for posting this - have bookmarked it! See http://www.ecology.co.uk/html/mortgages/whatlendon.htm David |
#8
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
On 30 Jan, 09:06, Lobster wrote:
The fact that rewiring appears to be one of the mortgage criteria would I have thought make this idea pretty well impossible in the case of your property though - hard to do a quick lash-up there. :-( David naa, not hard. One CU, string cable across the wall into each room, pair of double sockets each, one ceiling light, forget about flush mouting or neat lines, just tack it quickly to the wall and it'll serve till a nice neat full system goes in. NT |
#10
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
Thanks for posting the link to ecology - they have said to me today
that this is a building that they woulddefinitely like to save from a developer and would probably offer on! Unfortunately they only operate a 3x salary multiplier, which we can't work with on this one! Philip Lobster wrote: Mick6 wrote: In article .com, wrote: Recently I have tried to move to house number 4 - a dilapidated bungalow. This is now not going to happen - cos I can't get a mortgage. Have you tried the Ecology Building Society? I've heard they'll support projects other lenders won't touch. http://www.ecology.co.uk/ Thanks a lot for posting this - have bookmarked it! See http://www.ecology.co.uk/html/mortgages/whatlendon.htm David |
#11
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
I might be called paranoid if I were warning someone that this might happen Not sure I can be called paranoid if this is reallly happening! |
#12
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
As a side issue, I am being hastled by my solicitor because I told the truth on my housemove questionaire. - two windows I had put in in 1999 - 'where is the FENSA certificate?' a steel lintle i had put in in 2000 'where is the building control notice?' a new consumer unit I had put in by a qualified electician in 2002 'where is the electrical test certificate'... It will cost me a packet just to get people out to check all this... Grrr Tell him you will charge him £120 for each one you have to produce. That will make him focus! Dave |
#13
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
gort wrote:
As a side issue, I am being hastled by my solicitor because I told the truth on my housemove questionaire. - two windows I had put in in 1999 - 'where is the FENSA certificate?' a steel lintle i had put in in 2000 'where is the building control notice?' a new consumer unit I had put in by a qualified electician in 2002 'where is the electrical test certificate'... It will cost me a packet just to get people out to check all this... Grrr Tell him you will charge him £120 for each one you have to produce. That will make him focus! Dave Oh..I had all this crap when selling my mothers house. In the end I just said 'I haven't got them. What are you going to do about it?' With another two people very interested that shut the *******s up. Just buy 120 quids worth of liability insurance and give it to the purchaser. Tell him to claim against it if there are any issues. In the end houses are sold 'as seen' and if they don't like it they can **** off and buy an different one. The lawyers make money and cover their arses with all this prevarication. Its their job to point out to their clients all the things that MIGHT conceivably go badly wrong..like having to demolish an extension that hasn't got planning permission etc. |
#14
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
In the end houses are sold 'as seen' and if they don't like it they can **** off and buy an different one. Is that still true? - I suppose unless the mortgage has a retention on it... Phil |
#15
Posted to uk.d-i-y
|
|||
|
|||
what's the point of all this DIY? (house move nightmare)
The Natural Philosopher wrote: In the end I just said 'I haven't got them. What are you going to do about it?' With another two people very interested that shut the *******s up. Just buy 120 quids worth of liability insurance and give it to the purchaser. Tell him to claim against it if there are any issues. I like the sound of this approach. Does it work with Part P stuff too? -- Frank |
Reply |
Thread Tools | Search this Thread |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Forum | |||
Trailer House Electrical Nightmare | Home Repair | |||
move to a house with bath fan vent to attic | Home Ownership | |||
House move: vendor leaves junk behind | UK diy | |||
House Move: Sensical? | Home Repair | |||
Boxing things up to move house... | UK diy |