IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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The neighbour is my brother
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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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?
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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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
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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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.
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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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]
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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The kerb is only an inch above the road.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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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]
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Well yeah better to keep the roads clear if you can
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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
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eyeopen
Banned
Registered: 15th Nov 14
User status: Offline
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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
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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 
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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?
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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My understanding is that loans are also taken into account when mortgages are taken out.
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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how long did you have the original mortgage before re-mortgaging ?
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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quote:
Originally posted by Andrew
My understanding is that loans are also taken into account when mortgages are taken out.
whats your point? 
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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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.
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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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????
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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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
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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they way it works in 4 years my mortgage will have gone from £115,500 to £100,000
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--ToM--
Member
Registered: 23rd Nov 07
Location: Wirral
User status: Offline
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Fucking hell, can't believe some of the shit that Andrew comes out with haha.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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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]
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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how is the loan in my parents name you helmet?
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--ToM--
Member
Registered: 23rd Nov 07
Location: Wirral
User status: Offline
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Wow it gets better
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