Druim nan Darach

My wife says that men should not paint. I love her.

1 minute ago, Big Jimbo said:

My wife says that men should not paint. I love her.

 

We choose to split it 50/50. I did the outside painting last summer and now it's over to her. 

Sorry for the delay in responding but this is coming on a treat - You must be very excited as the big moving in date looms.

19 hours ago, Redoctober said:

Sorry for the delay in responding but this is coming on a treat - You must be very excited as the big moving in date looms.

 

Yes looking forward to moving in. Just a case of gathering folk up to do the remaining work.

 

No moving in date set at the moment. But the middle of June is when my three months of extend self build insurance runs out so I'll need my completion certificate by then. I also have to submit a grant claim to the Scottish government for the middle of July.

8 minutes ago, Thedreamer said:

 

Yes looking forward to moving in. Just a case of gathering folk up to do the remaining work.

 

No moving in date set at the moment. But the middle of June is when my three months of extend self build insurance runs out so I'll need my completion certificate by then. I also have to submit a grant claim to the Scottish government for the middle of July.

Are you using the self build fund?

Just now, eandg said:

Are you using the self build fund?

 

I consider this but was put off by the high interest rate when you go out of the agreed build period. This fund is better for speedy build, of course this comes at a cost. I was happy to wait to save, source materials myself and do some work.

 

My wife is a crofter and the self build qualify as new built croft house which allowed us to access a £38,000 grant from the Scottish Government. 

 

The site is decrofted and my lender Scottish Building Society have a normal charge over the house.

 

7 minutes ago, Thedreamer said:

 

I consider this but was put off by the high interest rate when you go out of the agreed build period. This fund is better for speedy build, of course this comes at a cost. I was happy to wait to save, source materials myself and do some work.

 

My wife is a crofter and the self build qualify as new built croft house which allowed us to access a £38,000 grant from the Scottish Government. 

 

The site is decrofted and my lender Scottish Building Society have a normal charge over the house.

 

Ah right. Sounds like you have a good arrangement there!

26 minutes ago, eandg said:

Ah right. Sounds like you have a good arrangement there!

 

We have to follow a agricultural plan for the next few years but which consists of keeping 35 Ewes, but after that the grant conditions are discharged. The house could be sold.

 

Although it seems generous no affordable housing has been built in our community for the last 25 years. This is meant that first time buyers like us have struggled to get on the ladder, as property prices on Skye have been inflated by a tourism boom. Although everybody is building for different reasons this was the only affordable option available. Therefore my self build is fairly low tech compared to others and was originally designed for building regulation but I have upgraded as we have gone along.

 

I'm 33 and learned so much over the last few years on buildhub, I would definitely consider another self build in 2040 or 2050 for retirement.

Edited February 26, 2020 by Thedreamer

5 hours ago, Thedreamer said:

 

We have to follow a agricultural plan for the next few years but which consists of keeping 35 Ewes, but after that the grant conditions are discharged. The house could be sold.

 

Although it seems generous no affordable housing has been built in our community for the last 25 years. This is meant that first time buyers like us have struggled to get on the ladder, as property prices on Skye have been inflated by a tourism boom. Although everybody is building for different reasons this was the only affordable option available. Therefore my self build is fairly low tech compared to others and was originally designed for building regulation but I have upgraded as we have gone along.

 

I'm 33 and learned so much over the last few years on buildhub, I would definitely consider another self build in 2040 or 2050 for retirement.

Thanks for the info, and all credit to you. Is there a rural housing burden attached to the grant? 

2 hours ago, eandg said:

Thanks for the info, and all credit to you. Is there a rural housing burden attached to the grant? 

 

No, not for this.

 

If we sold today we would have pay back the grant or proportion of it out of the sale proceeds.  But the property could be sold to somebody who wasn't involved in crofting.

 

I had come across Rural housing burden before here.  

 

https://www.hscht.co.uk/uploads/4/6/8/5/46858349/rural_housing_burden_factsheet_2019_.pdf

 

The HSCHT actually ran the self build loan scheme for the Highlands before it went across Scotland. I had a few discussions with the officer managing the pilot fund but as mentioned earlier it was not for us. 

 

 

 

 

2 hours ago, Thedreamer said:

 

No, not for this.

 

If we sold today we would have pay back the grant or proportion of it out of the sale proceeds.  But the property could be sold to somebody who wasn't involved in crofting.

 

I had come across Rural housing burden before here.  

 

https://www.hscht.co.uk/uploads/4/6/8/5/46858349/rural_housing_burden_factsheet_2019_.pdf

 

The HSCHT actually ran the self build loan scheme for the Highlands before it went across Scotland. I had a few discussions with the officer managing the pilot fund but as mentioned earlier it was not for us. 

 

 

 

 

They run the national scheme too, which I don't think has had any take-up. And seem to do a lot of good work in general.