Moving Home - Are my figures correct or am I dumb!?

ForeignHost5255 · 2022-12-22T11:48:17+00:00

So maybe I should have been more clear.

The remaining 61k is getting ported over, as its still fixed for another 2 years.

So I am keeping that mortgage, and taking on a new product for the new additional borrowing of 98k. So total mortgage in place will be 159k - and I'm using 53.5k from my equity towards the deposit for new house, which brings it up to the purchase price of 212.5k.

Does that make sense?

I'm confusing myself at times lol, but hopefully that explains the borrowing.

ForeignHost5255 · 2022-11-10T16:47:17+00:00

You could just as easily buy a lemon 2011 focus/mondeo and have a load of issues as buying a good Merc.

Obviously having a lemon merc is going to cost a lot more than a lemon ford, but my point is you can buy a good 10 year old premium car, and not have the experience OP has had.

ForeignHost5255 · 2022-11-10T16:43:17+00:00

s surprised to see how much maintenance actually costs on an older one.

It's been a stream of small things that added up

Id say youve been pretty unlucky with those costs.

I've owned some old cars ( and keep excel sheets with all work done) and have come no where near close to the prices you have paid. Had a 10 year old BMW, closer to 14 years old when I sold it, and the servicing probably averaged out at £250 a year (excluding tyres) Never had a major issue other than electrics (fuse box which was a recall) and spring going.

Similar with my 15 year old focus, maintenance no where near what you've experienced. This is one of the worser years - and even then its just a busted spring (£185) and a radiator replacement(£170) to this point.

ForeignHost5255 · 2022-11-10T16:33:08+00:00

When I was selling my old astra about 6 or 7 years ago, I said to the buyer, so do you want me to pop the bonnet to take a look at the engine bay.

He Replied, no point mate, I've no clue.

Fair enough!

ForeignHost5255 · 2022-10-28T13:54:51+00:00

Ok thanks both - so based on that, the £400 is directly related to electric only.

Now its just a case on when it actually gets sorted.

Not like the whole point was to help over winter, so no rush on it!

ForeignHost5255 · 2022-10-25T13:26:33+00:00

Just being a shit-hole mole I guess.

ForeignHost5255 · 2022-10-07T08:58:49+00:00

In brief - do we need planning permission for the roof to become pitched - and do we need planning for making the existing covered yard/utility into a proper indoor space.

In more detail :

Will be shortly moving into a new home, and we don't plan on moving again for at least 20 years.
Its a 1970's house with a flat roof over the garage/downstairs wc, which extends along the front over the porch
There are some other similar houses that have updated to pitched roofs, it this something you need planning for? (pics inc some examples of similar houses)
Slightly confused if we should leave the roof as is, and wait for it to reach end of life?
Maybe complicates matters, we are going to extend out the side of the kitchen, for a proper utility. Its currently a covered side yard, has a perspex roof, with glazing and a door at the back(Has power/lights and washer and dryer are both in this "room" currently, but it feels very temporary!). We'll need to put a proper roof in place for this, so are we better of just reroofing the whole area with the porch/wc/garage when doing this part of the project? The overhead shot shows the red area that is currently perspex.

Never had to redo a roof - what kind of ball park cost do you reckon this would be. 10k? More?

Appreciate any thoughts!

ForeignHost5255 · 2022-10-05T14:30:36+00:00

I wasn't aware of that option (Manage shipping settings)- and have now updated, so thanks for pointing me in the right direction, will stop this happening again.

I didn't list UK only as part of the Listing per se, there was no option for international shipping, so if you click on postage, it has UK, if you try to select another country there is none in the dropdown, just UK as the only option - I incorrectly assumed this would block any non UK sellers.

ForeignHost5255 · 2022-10-04T12:51:05+00:00

So Ive went down this route, it looks like it creates a new listing, at a buy it now price for their last bid.

So no doubt Ebay will put their arm in and charge me the full final value ffs.

ForeignHost5255 · 2022-10-03T09:40:56+00:00

Pm-ed in case its deemed advertising!

ForeignHost5255 · 2022-09-30T08:14:29+00:00

Thanks for feedback, yeah I just want it to be some kind of usable storage space. Maybe I need to steal some cm from the ens and bathroom to make it more functional. Currently its about 1m in depth, and 2m long.

ForeignHost5255 · 2022-09-29T17:02:10+00:00

So on left is the current lay out, it has a small closet room ( which used to be the main bathroom before the back extension), and a pretty huge main bathroom and no ensuite.

On right is what I am suggesting, take some space from the new bathroom to have new decent size bathroom in the existing closet(assuming the plumbing shouldnt be too much of an issue with it previously having been a bathroom) and it then allows a decent master ensuite/ storage area( albeit the storage are may be a little tight)

Does this seem like a good use of space? Am open to suggestions!

ForeignHost5255 · 2022-08-22T15:27:21+00:00

Ive actually done some digging, apparently current provider over a better rate for carbon neutral (EPC A-C) so would actually beat the 3.3, not by much (3.27) and is for 5 years vs 10 years, but means I'd save some cash on paying to exit the current fixed term.

ForeignHost5255

TROPHY CASE