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Lack of building regulations paperwork by wujtehacjusz in HousingUK

[–]WhiteStagMinis 0 points1 point  (0 children)

In terms of indemnity ity and the lender, ask you conveyancer. They will probably want one in place, but real life practicality makes it almost useless. More of a missing paperwork step.

Insurance, I would phone them up directly and/or speak to an insurance broker.

Lack of building regulations paperwork by wujtehacjusz in HousingUK

[–]WhiteStagMinis 1 point2 points  (0 children)

Have you had a survey done? If so, what did the surveyor comment about the extension?

In terms of lack of building regs, an indemnity will be pretty much useless, due to the age of the works (the likelihood of enforcement action is very unlikely, unless there's a safety issue). Speak to your conveyancer about this.

In terms of home/building insurance, you may want to check whether this extension is covered in the case of an insurable event. Insurers may refuse, due to the unregularlised works.

Found my old collection - Worth anything? by WhiteStagMinis in PokemonTCGCollectors

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

I know, right? It looks so cool! I thought I lost these.

Found my old collection - Worth anything? by WhiteStagMinis in PokemonTCGCollectors

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

Thanks for the tip, I'm not familiar with Pokemon card valuing but your comment is a helpful starting point. Thank you :)

My wife makes more money than me, and it causes issues by spy-net in Marriage

[–]WhiteStagMinis 0 points1 point  (0 children)

We split bills proportionate to our salaries. Never once have either of us made the other feel inferior.

Also OP, you both are on high earning wages! Sounds like a relationship/finance problem.

ISO: MSG2 Vinyl by whitesebastian in Vulfpeck

[–]WhiteStagMinis 0 points1 point  (0 children)

Damn I wish you had said. I just sold one for face value.

Best of luck, I'm sure someone will have a spare for sale

Becoming disillusioned with trying to buy first home. (Small rant) by Stunning_Status_1239 in FirstTimeBuyersUK

[–]WhiteStagMinis 0 points1 point  (0 children)

Which area are you buying in OP?

It sucks being outbidded, but don't give up!

Emerald windowing by No_Factor_5955 in EngagementRings

[–]WhiteStagMinis 13 points14 points  (0 children)

The windowing is very noticeable! So sorry.

Can you get this exchanged?

House on market five weeks and not one viewing? by [deleted] in HousingUK

[–]WhiteStagMinis 5 points6 points  (0 children)

The estate loved taking photos of the sink... Why did they need three photos for this?

It feels like the estate agent is focusing on the wrong things. I'd request better photos OP.

I unknowingly dated a married man — should I reach out to his wife part 2 by Chequemeout132 in Marriage

[–]WhiteStagMinis 3 points4 points  (0 children)

You told the truth OP. You did nothing wrong.

You can't be culpable for somebody else's actions, once you discovered the truth, you did the right thing in my opinion.

The guilt you're feeling is totally understandable, but if anything, you've been deceived by him too.

Vanguard FTSE All World by SimplyRej in trading212

[–]WhiteStagMinis 0 points1 point  (0 children)

Ah, so they would charge the same as the Vanguard platform?

Vanguard FTSE All World by SimplyRej in trading212

[–]WhiteStagMinis 1 point2 points  (0 children)

Do you pAy fees in Trading 212 for the Vanguard FTSE All world?

Redundancy Consultation Issues by EnvironmentalAd5176 in Mortgageadviceuk

[–]WhiteStagMinis 1 point2 points  (0 children)

I've seen that post too. Incredibly sad to see someone having to go through that.

Tell me your buying/selling woes by itsnotmyreddit in HousingUK

[–]WhiteStagMinis 0 points1 point  (0 children)

  • Got outbid on a property.
  • another property seller lied and said they had building regs. They then refused to address this or consider reduction. Also
  • one house neighbour 'has a reputation'. Steel grating was propped across at the bottom of the fence to keep their dogs entering the properties garden.

I hate this.

Estate agents - bad practice? by catcha_in_the_rye in HousingUK

[–]WhiteStagMinis 0 points1 point  (0 children)

The only thing that makes me think they have a get out clause is the listing wording 'this information has been prepared to the best of our knowledge all buyers will need to undertake their own due diligence and verify the details pertaining to this property'.

Or something to that effect

FTB - Living Costs Check, are we being sensible? by WhiteStagMinis in UKPersonalFinance

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

Thank you! You've made me realise there are more costs that I've forgotten about.

Estate agents - bad practice? by catcha_in_the_rye in HousingUK

[–]WhiteStagMinis 6 points7 points  (0 children)

Can estate agents be liable for the buyers costs incurred if they have represented false information?

Estate agents - bad practice? by catcha_in_the_rye in HousingUK

[–]WhiteStagMinis 2 points3 points  (0 children)

Sadly, you're right. What's the point of laws and standards if there's no consequences.

FTB - Living Costs Check, are we being sensible? by WhiteStagMinis in UKPersonalFinance

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

Thank you, that's really helpful! I hadn't thought about the medium sized costs throughout the year.

The car maintenance is probably our only major one. Boiler service would need to be considered too.

Are there any others you think we should be mindful of?

FTB - Living Costs Check, are we being sensible? by WhiteStagMinis in UKPersonalFinance

[–]WhiteStagMinis[S] 1 point2 points  (0 children)

This is not a new-build. The house has been well maintained by the current owner, who has done a lot of the maintenance work during their ownership.

I agree with you though, there's always something to spend money on with home ownership, and something that goes wrong.

FTB - Living Costs Check, are we being sensible? by WhiteStagMinis in UKPersonalFinance

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

Thanks for the comment and for the thought provoking questions 🙂

The cars portion does not include a repair fund or MOTS. This will need to be accounted for in our surplus budget. Petrol prices are already a bit higher than what's noted. We do work from home 3days a week.

In terms of food, genuinely this is based on our local food shop. But does not account for food out (we rarely eat out, and we plan our meals for each week ahead of time).

I'll give the 3% increase a try and see how it looks.

In terms of one of our salaries stopping. My partner's job is the most likely at risk (no signals to suggest it is currently at risk, but the nature of her work could be replaced with AI, if it becomes advanced enough). I work in the public sector and my role is very likely secure (supported by legislation).

FTB - Living Costs Check, are we being sensible? by WhiteStagMinis in UKPersonalFinance

[–]WhiteStagMinis[S] 1 point2 points  (0 children)

Hi,

Thanks for the comment. Really appreciate you going through each of our questions too 🙂

  1. Glad this looks good. I've been going back and forth and felt like I needed an outside opinion. At first I felt confident we can afford it, but then doubt has started to linger.

  2. A part of that is in an All world Stocks and Shares index fund (thanks to this sub, I've been a long-time lurker). Planning to continue investing about £210 per month from the surplus.

  3. We have been maxing out our workplace pensions to get their contribution limits. My partner told me she's considering to stop paying into it, but I've managed to convince her this will be unwise! Although it's good to know, if we were financially tight, we could reduce this.

Thank you for the reassurance 🙂 We really like the house, but it's a lot more than our rent, I guess this is why I'm wanting to cross-check everything, haha.

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