PNAmble
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Alternatives to Ecology Building Society?
PNAmble replied to FelixtheHousecat's topic in Self Build Mortgages
We also used Glenn, with both of us self employed with different company structures he really helped us get what we needed. -
Our builder installed this system, https://www.greenroofsdirect.com/products. but we added additional soil under it and put down additional wild flower seeds. it’s sitting on a single ply (memtec) warm roof. only a small area. The photos are April 24 when it was laid and June 24, by July it had lots of cornflowers and other plants. It’s still going strong and will need to climb on to cut it down in the next couple of weeks, in preparation for winter. The builders laid it, we could have done it, but as they were up on the roof we thought it easier for them to do the lifting.
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Northumberland refuse to engage, they won’t even engage over discharge of conditions. Yet the sign all decision notices saying In dealing with the application we have worked with the applicant in a positive and pro active manner and have implemented the requirement in paragraph 38 of the National Planning Policy Framework They continually reject discharge of conditions applications when a simple ‘can you submit document X’ would solve the problem. When I complained they said ‘you are welcome to submit applications as many time as you require to clear a condition but we no longer engage in the process as we don’t have the resources’. So each time they request additional documents to clear a condition it costs me more money.
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I’ve just checked our certs. We didn’t have a separate one and BCO / SWarranty has signed all certs off.
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We had to fill in a costing form, which we used a combination of builders quotes, a very early QS estimate, and our own costings, I've attached the form we had to fill in - we had a broker helping us. they then sent a valuer to the plot - which we already owned. Harpenden insisted that a 20% contingency was used as opposed to the 10% on the form . This was unsurprising as it was just as the costs were increasing on almost weekly basis! On the basis of this, they calculated how much they'd lend us, with respect to the valuation, loan to value, and affordability. Timber Frame costings form.pdf
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We had nearly turn key solution, they provided the M&P labour but we pretty much managed it, and also managed the kitchen and bathroom and externals. It all went through the books of the builder to help us with cash flow re VAT. Mortgage with Harpenden, and Mayflower as a broker.
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Probably, ask your mortgage provider. Mine used a very high level builder’s proposal had about 10 line items and I think 4 of those were provisional sums. I was told that all they wanted to know was that you’d thought about it, because the underwriters will make assumptions on your cost of build using industry standard £/sqm irrespective of what you provide them.
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https://directnine.uk/products/poe-texas-gigabit-poe-splitter-inwall-usb-charging-port-fast-5v-usb-charging-and-rj45-power-over-ethernet-output-for-wifi-internet-router-camera-phone-network?gad_source=1&gbraid=0AAAAAp5BeSog5eB1kb7ZriLjL380rXEor&gclid=CjwKCAjw_4S3BhAAEiwA_64YhkP5X_uZ9rZxzk71r1BQh_tZbIibveTOQIf-5tX3dmE7VD40d2AYSxoCOmcQAvD_BwE Would this work ? not a standard size though..
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Layout master bedroom/WIC/Ensuite
PNAmble replied to Stonehouse's topic in New House & Self Build Design
Pocket sliding doors work well if you are tight fit space especially in en-suites. Maybe consider for bed 2 and 3. -
I agree with @Bozza , it’s a complex financial transaction and depends on company structure and personal tax situation. You will need good professional advice .
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a mortgage company will take your last two or three years of accounts and average it; I (limited company) had to wait until my 2nd year accounts had been completed. My partner (sole trader) had to get an accountant to certify her last three years of accounts. They won’t care what you pay yourself. It’s about your business account/ profit.