mikew1978

We have full planning permissions to demolish a stone built cottage and rebuild it with block and render. In addition we will extend, at the same time. Both the cottage and the extension will be a timber kit. The extension will give an addition 100% floor space to the property, and it will be clad in Siberian larch timber. We are currently trying to mortgage through Buildstore. They are quite adamant that any mortgage we take will require the extension to have a block work skin. Is this correct? Has anyone else come up against this? Is there a way round it?

Ultra mods. We're in Bieldside on a 1/3 acre plot. I was told by a director of a large house building company, that owns land adjacent to ours that, it is £1m/ acre. The actual cottage is tiny, in poor condition and house insurance would see a rebuild cost of £70k. Our cottage sits in development land but the rest of the plot is green belt :-( and so your suggestion can't be done :-(

Thankyou old kettle.

Old kettle, Hi, I don't understand the last sentence ?

Hi guys, Can anyone point me in the right direction? We have bought a small cottage on an expensive plot of land. Current value of £380k. Residential mortgage in place (current deal expired). We owe £260k at present. Full planning permissions in place for demolish and rebuild- in Scotland. Where can I find a self mortgage that will allow us to transfer the existing residential mortgage of £260k and put up the self build costs of £250k = £510k. The value of the finished build will be circa. £800k. Any help would be much appreciated !

I'm in a similar position

Hello guys! Been on the forum for a little while but never needed to post till now! i have some questions/ queries! We currently have an old cottage which we have planning permissions to renovate and substantially extend, and raise the roof line on. We want to save on the VAT aspect and so a knock down (demolition) is on our menu. 1. Do we need different/ separate planning permission to knock down and rebuild ? 2. Can we leave up the 'shell' of the old cottage? 3 walls, 2 walls or 1 wall? Anything? 3. Who is best to check with? Planning? HMRC? Any information will be greatly appreciated and received! Thanks in advance :-) Mike