PSC88

Hi Rod thanks for your reply Can I ask how you challenged this ? did you use any professional help? did you have to evidence the local developments who didn’t have the the restrictions on there build

Hi we are in the process of submitting building regulations and materials to our local council after achieving full planning. we have submitted materials and the officer has come back rejecting pretty much all my materials. “We have chosen a brick colour which matches the local area and numerous other houses and gone for UPVc windows and guttering along with tiles to match with cast stone cills under the windows Again there’s a lot of development in the area (3 new builds on my street alone) in the last 5 years all have upvc windows and very similar brick and tiles. officer states he wants us to use a ‘local brick’? Timber frame windows? And not use faux stone cills? the property we are demolishing to build currently has UPVC windows and concrete tiles and this was built in 1990. it makes no sense to me and how have all the other properties locally got away with the above materials. how do I go about challenging this? I don’t really want the maitenance of timber window frames and the additional costs involved. It also took us a long time to select the Hampshire red brick we have and we really worked hard to match this with neighbouring properties? can I challenge this and how strict will they be? many thanks

Yes buying materials and self managing

Hi when submitting project costings to lender will they add the VAT on to this to determine the build cost and hence borrowing amount? as some parts will be 0 rated? And others will be reclaimed post completion ?

I’ve had warranty quotes ranging from 10k to 17k! 😩. I'm building about 500sq metres but this includes large habitable loft space on third floor also. Warranty is a bit of a minefield, some companies ask for your expected build costs, other add there own valuation to what they think a professional rebuild cost would be (presume some fort of national average square metreage cost) so this also has a lot of variability.

Thanks, not under permitted development as in conservation area so all removed

Hi I am applying for a self Build mortgage and own the land. quotes for conveyancing are coming in around 2.5k mark just wondering what the comveyancing involves? as I already own the land searches etc are these still necessary? thanks

Thanks Wisteria i have a broker and we are working through the mortgage application. so far the lender has asked for quotes for warranty etc and solicitor details. They have given me an indication in principle for the lending i just wondered if I’d have a full mortgage before i have to fork out for the warranty and conveyancing etc as no point paying 10k for the warranty and other 2k for the conveyancing and then the bank says no

Hi we have full planning approved. we have made some amendments to our second floor habitable loft. Namely making better use of the loft space and creating another room from the wasted eaves space. i have also added a skylight to this room which will only be visible from a Birds Eye view and not ground level, this was previous going to be a flat area of the roof. these drawings are the ones we are moving forward with for building regs. Do I need to resubmit plans or ask for non material amendments? my architect states as the changes are mainly internal (bar the roof light not visible from ground) that we need to do nothing. i just want to make sure I don’t have any issues with building regs/council building warranty etc going forward

Hi I’m in the process of collating all my documents/quotes etc before applying for my full self build mortgage application. There are a lot more ‘initial’ costs involved with a self build ranging from initial costings/QS charges for the build/broker fees etc ive been quoted 2k for the conveyancing. and then we have approx 10k for the self build warranty. my question is when do I fork out for these costs. will I have a full decision from the mortgage company stating happy to borrow the money? Then engage in spending all these ££££ on solicitors/warranties/insurances? as I don’t want to be out of pocket if the mortgage company say not happy to lend for the project or I need to save more cash for my first stages on build

Hi Nod thanks for your reply, my for instinct is to go cheap as possible. will my self builder lender question the amount of cover I go for? For example I’ve submitting costings for my build circa £900k to the lender. if I was to get a warranty cover for say £900k (even though this is me self managing saving costs etc as using a turn key builder/contractor will be a lot more) finally will the warranty company ask for any more details once they give the quote? In terms of rebuild costs or is it a case of that’s the desktop quote purchase it and that’s that done. Ive also heard of some warranty company inspectors being very picky when doing inspections etc so didnt want to save a few pounds now and pay later during the build

Hi I’m the process of starting a rebuild and standing my mortgage. ive had a few warranty quotes some ranging from around 8k- £15k Conoanies have asked for varying level of details for quote, some asking for copy of the plans and contractor details etc others just asking simple questions like location square footage construction type etc. My current construction costs are coming out around the £1mill park. This is me self managing the projects and using individual contractors. (Also getting a really good and discounted price on the bricks). some of the warranty providers have quoted on a rebuild cost of £1mill others have stated professional reinstatement cost of £1.5mill. i already own the land. my query is, i want the warranty as cheap as possible as its there just so my property is mortgagable and secondly saleable if i need to sell in 10 years. thw valuation does it matter should I just go cheap as possible and get the best price ? or should I go all out and value the rebuld at max value and pay the extra few K many thanks

thanks for your reply, when doing the costings for the build and providing these to Harpenden what level of detail did you go in to? Was this all provided as a quote from the builders? And did they query this at all? Many thanks

Thanks for the reply, did you use a turn key builder? who did you use for the mortgage? im looking at project managing and having different contractors working for up to shell level and then internal fit out.

Will a costing spreadsheet from estimators online be enough for my self build mortgage application? To give a rough cost of the build