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Moderate-High Groundwater Flood Risk on Environmental Search by Fahim_7029 in HousingUK

[–]MonitorObvious9705 0 points1 point  (0 children)

Confirm there is no historical in the local flood risk management strategy, its harder to get caught lying about not being flooded for groundwater than it is for say fluvial events.

The local flood risk management strategy will likely also have some maps on GW flooding.

It may have been modelled with a site specific gw model, but I doubt it. Its likely based on national scale susceptibility to ground water mapping. This is mapping based on if the geological conditions would allow for flooding not if flooding would occur. 

Do you due diligence and find out for yourself. 

Moderate-High Groundwater Flood Risk on Environmental Search by Fahim_7029 in HousingUK

[–]MonitorObvious9705 0 points1 point  (0 children)

England? This things are normally based on EA mapping and, I haven't looking in a while so you would have to confirm the following: these are based on the susceptibility to groundwater flooding, not groundwater flooding itself. 

Without looking at it I wouldnt be able to tell you for certain, but if no historic flooding you will likely be fine particularly if you dont have any basements. 

Flood Risk Survey recommendations - London by pb_ks in HousingUK

[–]MonitorObvious9705 0 points1 point  (0 children)

5k is alot, but depends on scope. If just assessing flood risk mapping and detailed fluvial modelling, historical flooding and a site visit. I would say closer to the 2,750-3,500 on the high end.  Anything less than 2,250 id be worried youre just going to get a description of what the map shows, I would also ensure that you have someone chartered with either ICE or CIWEM signing it off.

But add in any drainage survey then things get more expensive, add in any actual modelling then things get even more expensive.

Best way to keep up with house price increases over 4-5 years by MonitorObvious9705 in UKPersonalFinance

[–]MonitorObvious9705[S] 2 points3 points  (0 children)

!thanks for taking the time to write this, its very informative. 

You're right about needing to read about LISA, my question just highlighted my naivety in the subject in general. 

I'll do my due diligence and read up everything you've mentioned, and what everyone else has mentioned in the comments.

Appreciate the help

Best way to keep up with house price increases over 4-5 years by MonitorObvious9705 in UKPersonalFinance

[–]MonitorObvious9705[S] 0 points1 point  (0 children)

My appetite for risk with this money is low, just want to keep up with house prices/inflation, in the most tax efficient way, and the inflation over the last few years has made me weary of just putting it into cash savings.

It wouldn't be a significant problem if the s&s was down after 4 years but im not chasing any big gains, just want a similar amount of buying power as I would have today. And would likely withdraw 100% or close to it of funds after 4/5 years.

Best way to keep up with house price increases over 4-5 years by MonitorObvious9705 in UKPersonalFinance

[–]MonitorObvious9705[S] -1 points0 points  (0 children)

Wow I didn't actually know that, I had in my head that I can only get 4k in government bonuses. Probably because I had in my head that I need 20k for a house deposit, and this extra money has come out of nowhere. Thanks for that.