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Calvinmiddle

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Everything posted by Calvinmiddle

  1. Think that's old and out of date. But me being overseas isn’t the issue. The issue is what does a self builder say they paid for a property if they carved out part of their garden and built in it? Is it zero?
  2. House was on the market before we left but it didn’t get a seller and complete until after we had moved, and this was in this tax year which is the first full year we are classed as non-residents.
  3. We don't yet have a CGT section so will just put this in here for now. I have sold the house we built and moved overseas. This was not the original plan but things come up and that is what we have done. Now trying to submit a Non-Residents Capital Gain return which has to be done with 30 days of the sale. Both solicitor and accountant saying they have never heard of it before which is annoying to say the least. I have managed to find the form I need to complete - https://www.tax.service.gov.uk/shortforms/form/NRCGT_Return Also sure that there is no tax to pay as we lived it in as our main residence. The situation - we build a house in the garden of our existing house, started Aug 2014, took an age to build and we got a completion certificate July 2016. We moved in on Oct 2016. All this time the house was still on the same title as the original house as the Land Registry said they would only split on on a sale. We sold the original house in April 2017, and that is when the new house first got it's own title. Our situation changed over the summer of 2017 and we decide to move oversea (but to where my wife is from) we sold the new house in April 2018. The forms ask you to enter the 'non-resident net chargeable gain or loss (after exemptions, reliefs or adjustments) arising on this disposal.' but when you complete the handly calculator on the HRMC website - https://www.tax.service.gov.uk/calculate-your-capital-gains/non-resident/ you are asked the following questions: What date did you sign the contract to become the owner? - I'm assuming this is the date the the house got a title from Land Registry How did you become the owner? Bought it or Inherited it or Got it as a gift - not to sure on this one as it was created new out of an existing title How much did you pay for the property? or What was the market value of the property? - so if I say I bought it what do I say I paid for it, or if I say I got it as a gift what do I say was the value? Ultimately is doesn't really matter as far as I can see because even if I say I sold it for 1,000,000 and bought it for 0 as I am claiming Private Residence Relief then the chareable gain is zero. But what am I meant to enter in the "How much did you pay" field? Any help warmly welcomed
  4. I thought it was 6 months as well and as I was I out of work at the moment was very stressed. But bigger stress was that my Dad had just been in hospital for a triple heart bypass that had ended up with complications and ended up under anaesthetic for 8 days as they stablished him and a total of 14 days in hospital. I was about a month late and wrote a letter explaining the work stress and stress from my Dads operation as the reason for the late submission. Got cheque for full about with no questions asked. Restored my faith in HMRC in that there are some humans with compassion working there.
  5. Oh no you didn’t say that did you?? (Or say it a month ago!) next thing you know you will in Grand Designs style be 6 month late, 100k over budget and your wife will be pregnant with triplets!!!
  6. And I dug out 750mm of soil then filled it back up with stone before doing my raft. Much cheaper for me than piling as I have a friend who is a farmer who had access to a 13t excavator and guys on hand to drive grain lorry’s during harvest (in morning waiting for dew to burn off) to take the soil away to fill a hole he had. Know others have done rafts on piles at raft have advantage of being generally better insulated than traditional foundations.
  7. @Russell griffiths Not the best photo as there are clouds but hopefully you get the idea
  8. I’ll take some pictures of ours tomorrow so you can see
  9. I do indeed, lots. Mine face roughly East and South. If you was just wanting light in I’d say go for north. Our living areas face north and the sky is always lovely and blue, but look out the bedrooms that face south and the sky is glaringly and whitish Also the East facing ones at twice a year (Spring and Autumn) the sun comes in at the right angle to completely blind you when in the kitchen. I wouldn’t be worried about getting direct sunlight into the building, you just want diffuse light and a view of nice blue sky* *Disclaimer - nice blue sky entirely dependent on where you live in the UK ?
  10. I ended up created in 100mm service cavity under the airtight membrane to run the MVHR ducting in. Created with 2x 50mm battens on top of one another (MBC and PM where going to batten and cross batten until I pointed out that we’re they crossed there was only 50mm of cavity for me to run 70mm ducting!) Have read some people doing it within the insulation layer - but for me that is too many things going through the airtight membrane for my liking.
  11. My warranty provider didn’t even question us being on clay as long as the slab was made to the SE specs they were happy. Not sure why you have been told combi’s don’t scale well with fluctuating numbers of people, they are ideal as it’s hot water on demand, no need to store it, unless you are trying to run multiple showers at once. But how often will that happen and yer man @Nickfromwales can tell you the best choice to deal with that. As for long term reliability they are fine, tried and tested technology and every plumber will be able to fix it, not sure you could say the same if your ASHP going on the blink over Christmas.....
  12. I'd say even a revised heating cost of £5k is too much. I have a gas combi boiler, buffer tank and UFH manifold inc pump and thermostat all and that cost me £1,700 in total. The UFH pipes were in the slab by MBC (I was on clay so there is a round way a passive slab and clay for anyone else who has that issue). Then a couple of other things - £10k for plumbing - I spent £2k to the plumbing so not sure if your £10k is for? Does that include taps baths etc - I see you have a sanitary section so probably not? £8 for ventilation - if this is MVHR then I got the kit from BPC, fitted it myself (as others have said its a self build right of passage. Its easy to do and as it's new the quotes that you can get u to quote are silly. Two separate companies I worked out have a labour element of £4k for something that is at most 2-3 work for a couple of people). After fitting it I paid someone to commission it to keep BC happy, that was about £250. Total spend on MVHR £2,600. To give you some background my house is a modern bungalow, about 110m2 my build was £1,938 but if you look at just the house and getting services to the house and not the silly amounts we paid on hire (we have steel plates in the ground for 18 months, I must have spend well over a £1000 to hire that should have bought it) on what I spent on block-paving hundreds on m2 as I was building in my back garden and had to sort out parking for the front house. Well then it comes down to a more respectable £1,343.
  13. You’re welcome Ian ? I didn’t even know, which sentence was it? I didn’t know any of my thoughts were worth that much - or even a third if I share credit with @PeterW and your SE.
  14. Or go crazy and have pitch at the top and at the left and have the square area as a flat room giving an area of high ceilings in the extension. I have a bungalow with high ceilings that slope from 2.4 to 3.6 metres high, marks an amazing different to the feel of the rooms. Or that area I've drawn could be sloped from the ridge to the bottom all the way across
  15. My question is if you are adding pitched roof to the left side, why aren't you doing the same on the right? It may be wider so the pitch angle might not match, but is that really an issue?
  16. I have gone with the 140 mineral wool between the studs and 50 PIR in front - so the first option. my issues was the same as your in that the cost to the cellulose was hard to justify. This buildup makes a pretty sound deadening house as well, our house is a bit echoing inside but I think that is more to the fact we have open plan and have tiled floors more than anything to do with the walls. One think you should do is look at the floor wall interface between the two wall types as I remember having issues with my cladding as the 1st option doesn't overhang the EPS of the foundations and I had to add cross battens and a tricky profile to prevent water ingress. Can you post the wall floor interface for the 3 options as well? That might help make your decision I think.
  17. I'm another happy Dyson owner, so much so I bought a cordless hand held jobbie for the new house as it's mostly tiled. Big upright hardly even gets out now.
  18. We have a small pitch as well, just did it with the joists and didn't worry about have a flat ceiling on the inside. But our element of flat roof is in the living room which is open to the steeper pitched roof kitchen. Will link to the post with the house pics in a bit
  19. Not a rule as such, just what counts for a building to be a habitable dwelling, can't remember the exact details - but know from what Jeremy has but on his blog that not having potable water means it isn't a habitable dwelling
  20. Just be careful with this, I got hit with council tax for a year before we actually finished because I didn't know the rules applied. You know what they say - forewarned is forearmed.
  21. Hi Silage Away on holiday at the moment but I just googled board on board cladding to get inspiration. Also found a few good websites - here are a couple of them, but remember there being another good one about installation advice, if I find it I'll post it. If you have any specific questions post them and tag me and I'll reply when I can http://www.gov.scot/Publications/2002/03/15098/8744 http://www.tdca.org.uk/timber-cladding/cladding-design-detail/vertical-cladding-new-buildings/ Also have you seen the other pictures of the house on this thread? Some of the cladding you can zoom in on
  22. We didn't fix it to the EPS, the top upstand part was nailed to the battens for the cladding. The then rested in position the the stone keeps it tight to the EPS
  23. Looking at Port Macquarie just a bit up from Forster. Sydney was quickly discarded on the house prices, the move is to have more family time and a less stressful lifestyle, Sydney would be the opposite, even if that was the Northern Beaches where my wife has lived before.
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