An in-between phase

PennysIntoPounds

Cheers @doingitanyway, as well as people demanding even more money from you can go 😁

PennysIntoPounds

Shower and hairwash
Usuals

Paid the builder thousands of pounds deposit 😭
Nagged the council about consents
Nagged company about other consents

20 minute walk getting essentials

Client pay, share to tax pot.
Car boot money in flat pot

Mortgage broker appointment, got told the many extra horrendous fees 😭
And apparently I need to be on the deeds to the land to be on the mortgage which we had not known, so now we need to quickly find an affordable and competent solicitor 😭

Another mortgage broker appointment tomorrow!

Small flat clean, now we have gone to the pub and I have interfered with a jasmine which has been very therapeutic 🍻

peb

Should be able to deal with it simultaneously. So one solicitor, transfer of equity and mortgage to complete at the same time.

PennysIntoPounds

Thanks @peb, finding someone who's not as inept as everyone else so far is the challenge! Have made a few enquiries but it might be easier time and money-wise to just do the build loan under Mr PIP's name then sort putting me on the mortgage when we get a proper mortgage after (if!) build done.
We're already annoyed enough we have to pay a solicitor to receive our loan to give to us, this business is such a racket. Nice to see you, hope you're keeping well? 

peb

I don't think I agree.  You are adding to the costs with basically two transactions.  

Is it a self build mortgage?  If so you do need a good high street firm. And, no it's not cheap - you don't want cheap. You want good. Do you have any friends or family out of London who can recommend someone?  London firms charge a premium - there's a few lenders who want a signature witnessed by a solicitor in which case stick with London but they are few a



The only reason not to add you to the title would be if the lender requires the land in your name for six months before lending 

PennysIntoPounds

So do you mean @peb that I would still need to be added to land title for normal mortgage once build is done? I thought this wasn't the case otherwise everyone who bought a place would have to be a freeholder..
It is a self build mortgage, so a loan of a set amount that is released in stages of a set amount. We don't know anyone who can recommend anyone for the land registry (or hiring a solicitor to receive our money to give to us 😭) but we're satisfied with our mortgage brokers.
Added complications are that Mr PIP and his brother will have to officially divide the land once build is complete so both couples can get their own mortgage, and that we are very much battling against time to get enough things done and funded what with planning permission running out in June and of course the seasons meaning we have to do work soon or it's another year which we can't afford. This of course is ignoring the fact that the council probably won't sign off on anything for at least five years so no need to worry if it's all entirely futile innit, we'll just be even more skint 😂😭

LadyWithAPlan

rachmac3 said:

Do we need a separate mouse support thread? 
I'm not sure what I'm going to put in mine yet, I know he likes ryvita but I think he'll want something nicer than that to be tempted into the trap. Especially when he can have ryvita every day. He totally ignored popcorn, chocolate, and cereal when they were in the pantry so he seems to have quite bland tastes. 

ladyholly said:

I know I am out of touch with pub prices and certainly don't know London prices but at £39 I hope it came in gold plated bottles and diamond encrusted glasses.

Are you sure PIP this is not some whisky, beer at £39 per pint? !!


Fingers crossed on the mortgage and timelines

PennysIntoPounds

Woke up hideously early, too much going round in my head and too randomly bleedy and sore to get back to sleep so up I got for a productive day 😴

Usuals
Three receipt surveys
Entered some competitions, today I'm mostly looking forward to winning 10k

ISA research and LISA transfer, rest of family friend inheritance money added in ISA with the rest.
Went with slightly lower interest ISA choosing between my providers which I feel mildly guilty about but for ease of use it's much better

Wrote a very terse reply to Octopus who had sent a response to the debt recovery issue in which they ignored everything I said.

Big clean of bedroom, including turning the mattress which has been on the to-do list for a while

A third wussy situps
Popped over to mums to print a form needed for invigilator role
Laundry
Ten minute carpet walk
Bits of housework

Had mortgage broker meeting, apparently we need to separate Mr PIP and his brother on the land title before we can get funds rather than later, so that's the priority job! Anyone know of a solicitors who aren't as dreadful as everyone else we've encountered in this process?!

Compiled a draft email for us to all use and contacted some more solicitors

Entered the omaze 100k draw by post
Walk with Mr PIP for quiet beer in pub garden
Small survey
Dinner is leftover takeaway pizza we got yesterday 

Baldybear

Hello can recommend a solicitor that we used for house buying but in surrey? Also not sire if they cover self build but If that helps happy to pm details x

doingitanyway

My own solicitor for this house did not feel like they were in my corner so can't recommend.
The walk with Mr PiP to a garden for beer sounds perfect given all the house stress
Boo to the energy company and debt collector...