How do you pay for your house repairs

emilyt

Just wondered how everyone else managed to pay for emergency repairs on their house. We need our chimney rebuilding and have had a few quotes. Going to cost around £2000 -£3000. We just don't have that kind of money. Not even £200 - £ 300. How does everyone else manage to get these repairs done. Most jobs my DH does. I just don't think this one is a job that i want him to do. Any advice . Thanks in advance

v0n

Insurance won't pay for that?

emilyt

No i didn't think it would. My only solution is to ask for an extra £2000 on top of the mortgage. Is this a good idea.Anyone got any better ideas.

ginger_nuts

I would try to avoid increasing your mortgage .
This is a secured loan and you will be paying the extra for years .

also as you have a five year mortgage deal until May your lender could charge you a fee to increase your mortgage .Can you get an overdraft from your bank .then transfer it to a 0% CC . Maybe not ideal stituation but this is what I used to do .As this chimney is your only form of heating ( and you have a new lounge carpet )well maybe new heating would be as cheap .

dougk_2

or just pay the bill on a 0% purchases cc?

emilyt

Just for anyone who is interested. we managed to get our chimney repaired for less than £1000.:j I am really pleased at saving so much on my original quoye:T Basically we did the donkey work ourselves. Builder charged £350. Materials cost under £100 scaffolding down to £200. £650 is much more reasonable. So it can be done

roswell

I would have thought this came under building insurance ....

emilyt

roswell wrote:

I would have thought this came under building insurance ....

No unfortunately not. Because it is generall wear and tear.Building insurance won't cover it.