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An in-between phase

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Comments

  • KajiKita
    KajiKita Posts: 8,319 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The interactivity of the build admin makes it seem like something is happening …? 🤞

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £417 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Oh sweet optimistic @KajiKita 😂
    Nope, still just doling out our meagre life savings as every time we attempt to achieve a job apparently another three are needed before we can do that etc etc etc, it's like a pyramid scheme except we're the only ones paying 😭😂😭
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    I'm sure no-one's in the slightest bit interested but as a rough idea:

    We research mortgage brokers, contact many, wait for replies, compare quotes, choose
    Mortgage broker needs lots of information that we spend ages prising out of surveyor
    We have to arrange meetings during working hours with mortgage broker
    We get mortgage offer but it turns out we all need to be listed on the title deeds and the land needs to be split in two on titles before lender will release any money
    We research solicitors, contact many, wait for replies, and then we research more solicitors as apparently this is too complex for most legal minds, then we get a lot of conflicting information about who is able to be represented by whom, and are still trying to figure this out
    Land registry will take many many many months 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    In the meantime we research builders, make contact, wait for replies, get quotes, choose, need to submit approx one thousand more drawings and documents that we don't know what they are so have to wait for surveyor to respond to our many begging requests for our own paperwork
    Builder becomes ill so we repeat the process
    Preliminary build works begin and we pay lots of money which is not provided by build mortgage because see above
    Things that should have been done or at least flagged by surveyor a year ago arise that need to be done before pre build work can continue so we have to contact, wait for reply, pay for things like second phase land contamination report, which we are still waiting on results of
    Builders need us to provide an office and changing room which we clearly don't have as we're not a big company so we pay out loads of money to garage owner next to site
    We also need to pay for their parking permits that of course were refused by council so we re-apply and are still waiting on
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Today's builder highlight was finding a random clay pipe that runs the length of the site that no-one knows what it is or why it's there. We have asked surveyor to review as we have no-one else to ask. We fully expect this to be an ancient protected monument that we will have to pay one million pounds to the council for as an apology for having uncovered it
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    In the other meantime, we have to get utility provider agreements that we can access their services so we have to pay them money for the privilege of being able to give them further money. Thames send over a form which we have to fill in full of information we couldn't possibly know. We have to pay another company to work out what on earth they're talking about
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • ladyholly
    ladyholly Posts: 4,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Oh PII really feel for you and they wonder why houses are not being built. As you know we have just completed on a land sale awhich has taken between 5 and 10 years to complete.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Oh I haven't even finished yet @ladyholly, I just got a five minute ban for posting too quickly 😂
    So glad for you that bit's done though, what a completely needless strain on everyone's lives 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Wow, the building process sounds so complex. Credit to you for even getting this far. 
    Congratulations on the coins being valued at £3k! Unexpected treasure  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Fortunately (ha!) in another meantime, we have had to hire that company anyway to deal with the seven outstanding consents that the surveyor lied for the whole of last year had been dealt with, unfortunately this requires the surveyor who is the gatekeeper of all the documents relating to this build actually sharing those documents or admitting that he doesn't know what he's doing or hasn't done them. This is still very much ongoing and we are nowhere near anyone working on let alone submitting those consents
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
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