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Author my house
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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2nd Jan 16 at 03:44   View Garage View User's Profile U2U Member Reply With Quote

The neighbour is my brother
Ben G
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Registered: 12th Jan 07
Location: Essex
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2nd Jan 16 at 11:04   View User's Profile U2U Member Reply With Quote

Nice front. Block paving costs a ridiculous ampunt of money. So glad I did my own. Cost about 800 in materials.

How did you get your car on the front without a dropped kerb?
Aaron
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Registered: 9th Aug 04
Location: Cottingham, East Riding
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2nd Jan 16 at 11:44   View User's Profile U2U Member Reply With Quote

It's risky doing that around here (parking on a self-made driveway when a drop kerb isnt present).

I've seen about 10 examples where the local council has no doubt sent letters to the households telling them to stop, but they must ignore them.

The next thing they (the home owner) know, the council have installed concrete bollards on the path infront of the driveway to stop car access. Crazy
Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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2nd Jan 16 at 11:50   View User's Profile U2U Member Reply With Quote

Suppose if you don't ask if you can use a public foot path for access to your private drive way, council have all rights to do that. Stupid home owners thinking they are above the law.
Aaron
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Registered: 9th Aug 04
Location: Cottingham, East Riding
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2nd Jan 16 at 11:51   View User's Profile U2U Member Reply With Quote

Agreed. It's funny when the home owner contacts the local paper with and they print their sob story

[Edited on 02-01-2016 by Aaron]
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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2nd Jan 16 at 12:17   View Garage View User's Profile U2U Member Reply With Quote

The kerb is only an inch above the road.
Ben G
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Registered: 12th Jan 07
Location: Essex
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2nd Jan 16 at 13:43   View User's Profile U2U Member Reply With Quote

Doesn't matter. The law is the law.

Woman across the road kept complaining about my dad building so he complained about her using her driveway without having a dropped kerb. She recently had to pay to get it dropped.

Fair enough the kerb was high enough that only a bigger car could get over it, but it's just part and parcel of being a responsible home owner.

[Edited on 02-01-2016 by Ben G]
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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2nd Jan 16 at 14:05   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ben G
Doesn't matter. The law is the law.

Woman across the road kept complaining about my dad building so he complained about her using her driveway without having a dropped kerb. She recently had to pay to get it dropped.

Fair enough the kerb was high enough that only a bigger car could get over it, but it's just part and parcel of being a responsible home owner.

[Edited on 02-01-2016 by Ben G]


dont think the council care tbh. its probably better i park on a drive due to it being a bus route
Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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2nd Jan 16 at 14:08   View User's Profile U2U Member Reply With Quote

Well yeah better to keep the roads clear if you can
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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2nd Jan 16 at 14:21   View Garage View User's Profile U2U Member Reply With Quote

i'd say so.

with the amount of cars on the road these days the councils should be doing all they can to get more driveways done so they are parkable
eyeopen
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Registered: 15th Nov 14
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5th Jan 16 at 17:43   View User's Profile U2U Member Reply With Quote

nice, but don't know if you noticed your kitchen and garden are built at a 90 degree angle, lol joke.

nice got a pool table too! lucky u
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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20th Jan 16 at 10:13   View Garage View User's Profile U2U Member Reply With Quote

Been going through the remortgage process past couple of weeks. Currently have 26 years left (115,500) paying 668. I over pay 50 a month and I got a loan out to have the garden and driveway done (120) So 838 total

House valued at 125k meaning I could get 112,500 as a remortgage so I have extended my loan by 3k to cover the short fall.

New mortgage is 25 years (1 year less) and 548 a month and the new loan is 180 - 728 total.

Im going to see how it goes for a few months and I'll consider over paying on the mortgage/loan

pretty pleased
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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25th Jan 16 at 14:23   View Garage View User's Profile U2U Member Reply With Quote

Mortgage to be completed this week.

Found worktops that match my current ones. been looking to add a breakfast bar on the opposite end of my kitchen when I decorate (only place not done since i moved in) the current work tops have a tiled splash back. would it look weird to have an upstand on the breakfast area and no tiles?
Andrew
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Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
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26th Jan 16 at 06:33   View User's Profile U2U Member Reply With Quote

My understanding is that loans are also taken into account when mortgages are taken out.
tom130691
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Registered: 13th Sep 08
Location: Daventry
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26th Jan 16 at 07:38   View Garage View User's Profile U2U Member Reply With Quote

how long did you have the original mortgage before re-mortgaging ?



my corsa
my mini

You know you own a mini when you've changed your shower gel for swarfega.
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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26th Jan 16 at 12:46   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by tom130691
how long did you have the original mortgage before re-mortgaging ?



about 7 years
never had enough equity in the house to remortgage until then. originally took out 132k
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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26th Jan 16 at 21:10   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Andrew
My understanding is that loans are also taken into account when mortgages are taken out.


whats your point?
Andrew
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Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
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26th Jan 16 at 23:44   View User's Profile U2U Member Reply With Quote

I'm just a little confused why anyone would take out a loan to have there driveway and garden done when struggling to get a mortgage.

I paid 3k for mine but that was cash. I wouldn't of had it done if i was borrowing money.

Fair play to you - sometimes i wish i still had my man cave.
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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26th Jan 16 at 23:56   View Garage View User's Profile U2U Member Reply With Quote

the drive/garden helped me hit a good valuation

I am paying 10 more a month than my original mortgage to have my garden and driveway done

this will be paid off in 48 months after which I will be down to 550 (or less when I remortgage again)

why would I not do it????
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
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27th Jan 16 at 02:14   View User's Profile U2U Member Reply With Quote

People often borrow money to get major work done and incorporate it with the mortgage, seems a no brainer for the way your sums have worked out
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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27th Jan 16 at 11:51   View Garage View User's Profile U2U Member Reply With Quote

they way it works in 4 years my mortgage will have gone from 115,500 to 100,000
--ToM--
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Registered: 23rd Nov 07
Location: Wirral
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27th Jan 16 at 19:43   View User's Profile U2U Member Reply With Quote

Fucking hell, can't believe some of the shit that Andrew comes out with haha.
Andrew
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Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
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27th Jan 16 at 20:57   View User's Profile U2U Member Reply With Quote

Figures have basically been fixed to allow Mark to mortgage a property in his own name. The loan is probably in his parents name. The figures stack up well, niceone.

[Edited on 27-01-2016 by Andrew]
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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27th Jan 16 at 21:16   View Garage View User's Profile U2U Member Reply With Quote

how is the loan in my parents name you helmet?
--ToM--
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Registered: 23rd Nov 07
Location: Wirral
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27th Jan 16 at 21:30   View User's Profile U2U Member Reply With Quote

Wow it gets better

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