scottishjohn

always start with --what price will it be easily saleable for when its done ? price of others that are similar locally,that have been sold recently ? just to check it is worth the grief of doing it . cost of somewhere to live while build is going on + add a good bit of extra time for builder not completing it on time ,for what ever reason

just money to them -.

a bit of commons sense +couple in 30,s ,no kids --the odds are pretty high they going to get some soon and if your close to the edge of the lending criteria ,then i have no doubt that will be looked at in any final decision would it be any different than a mortgage provider insisting on life insurance of the bread winner? so maybe an insurance policy against having kids? any way pretty sure a self build mortgage will be suing £2k a sq m to decide if your figures are reasonanble for the build

difference is you already had an offer that they withdrew not the same as not getting one to start with next your going to tell me i have to give reason not to give someone a credit account with my BIZ giving and recinding is not same as not offering

you carefully missed the point ,they do not need to say anything --just don,t offer you one

I think we can go orund in circles with this for ever bottom line is Go ASK

but they do not have to give reasons for not making a loan to to you-so you will never know

not a clue, but it something i would be considering if i were the lender --and its just another reason for them to say NO -legal or otherwise,common sense says you should be thinking of that anyway same as i would always got for a 50year old woman to employ rather than a 25year old --as an employer its costs a shed load of money when you have deal with maternity problems in small biz

I would want a clause that says any subsidence of the roads or tracks they cross will be their liability to repair for a term of 10 years . If they quibble at that --it tells you they going to do a rough arse job

and unless you can prove definitively your wife is not going to have kids --when her income will likely stop -- you stand a dull chance go ask them --put if off and save some more is the answer as you have the plot and who knows what brexit will do to interest rates ?? If i were you I would using the extra time for lots of planning AND not jumping just now too many variables ,or just get planning -- do the founds with the money you have to start with

as you going to need a mortgage it would seem prudent to find out exactly how much you can get first then you design your house to suit and allow 10% for extras

maybe you should work on the £1300- £1500 sq m for all preliminary calculations and mortgage requirements,then you have wiggle space and then "cut your suit to available cloth" that will allow you a contingency fund ?

I agree but those things you would agree with trades at time of quote.who is doing what and if you don,t do your bit ,yes you going to pay more

If disagree with the assumption that a quoted price will be "screwed down" as you say it is up to the builder to give a quote that he can stick to and complete the job in a good timely manner ,at the right quality . and would be expecting him to give choices on some things in the discussions before he gave his quote for the works. Yes trust is needed --but seems all one way if its just day rate and I would not be adverse to paying some extras if justified ,before hand . as with all things communication is key a lot of these extras quite often seem like me quoting for a service --then saying oil is extra

how many times are you going to build a house --most people it will be a one off --so if he can make killing-he ain,t worried about repeat biz I agree though in a small community they could not get away with that for long ,if there are others who will break sweat and do a good job big cities will always be far worse as for extras ,that again comes down to experience and a good tradesman should know where the problems will be an advise at the outset -like floor boards but we are talking about quotes on new build --so thats a different thing -notas many valid excuses for extras if if studied the plans to start with +asked questions eg If i get a jap 4x4 at 10 years old needs a -say an abs sensor -- Iknow for sure that the fixings will break and i,ll be drilling and retapping .why cos they do little rust protection so things corrode much worse than a european vehicle at 3 years old --no it will be the 1/2 hr job the book says it is

just me maybe but i would never if at all possible go for a daily rate --thats a free hand to go slow and make job last If they have a problem giving a quote for the labour to do the job --then they are not my idea of a professional builder. If you brought your car into me and i told you I,ll charge by hour + you,ll be paying for the men to go for lunch and having wee sleeps on the job -and not give you a quote for the job ,so you could compare my price with others--you would walk away . would you pay a brickie like that ?--no you would ask for a price per thousand

from my experience of having commercial air con and refridgeration units ,which really are same as ASHP then I would be very suprised if an ASHP did not last longer than any sort of modern gas or oil boiler with a thin crappy heat exchanger in them the modern self condensing ones rot the away pretty quickly ,even british gas say you should be changing boiler every 7 or 8 years and nobody will give you a total service+ parts package for more than 5 or 6 years for a fixed yearly figure --after that you pay extra for parts --so that makes me think 7 years is about right time for trouble free running of boilers. I could be wrong ,whats the longest somoene has had a an ASHP?

maybe an opportunity there for you?

If you have vcl on inside of it -how are any vapours going to effect you --the permeable house wrap is allow them to gas off to the outside over time. I have been looking at an old granite house and looking for simplest way to get a non permeable layer on inside of the walls , the idea is to build a TF inside old walls closed pur foam is what I have been told by more than one source as the way to seal the old walls -a 30MM layer of closed cell ,as it is a water /vapour barrier it will make any moisture and any "off gassing " in thewall go outwards through the lime mortar , sprayed in after skeleton of Tf is built(30mm from wall face) ,then insulation of your choice before closing the new interior walls with air tight membrane seems this is a common way of dealing with these problems in barn conversions . icynene close cell? ,you sure that's not PUR he was meaning- still not a DIY job

I am probably a philistine as I wouldn,t spend a fraction of that for any picture

not to me It wouldn,t be - -but hey everybody to their own .

its not even a picture its a print!!!!! surely now you have a picture of it you should be able to make your own ?

well with a concrete blinding you won,t get mushrooms or other fungi growing in the bare soil so seems a sensible idea to me .

no wonder and good riddance the old ones with the handle that would pinch your flesh if it slipped off --most will have gone same way as my old dads ones hurled a great distance after nipping you helped on their way with much cursing don,t think HSE would allow them to be sold anymore I hate cheap "mole grips --i,m no superman ,but if i can bend the frame when locking them up on a job --no good you buying moles --get moles grips , Irwin or vicegrips

have you checked out what the market value the house would be in your area when its done ? cos you heading for 500K with land -- no point in building something you can never sell again at a profit just something to consider -