Thedreamer

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Thedreamer last won the day on November 6 2018

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About Thedreamer

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    Highlands

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  1. Thedreamer

    And we're off

    To be honest when it comes to the HMRC it will just be somebody in call centre. As in this case it's going to be muckaway company's liability @Simon R checked with the HMRC what more can he do. I would just document the call time and if possible have a reference to have some kind of a trail to the HMRC opinion.
  2. Thedreamer

    And we're off

    No I think the VAT should be zero rated for the digger and operator but the muckaway is standard rated. I've edited my earlier post above. To get the muck away zero rated you probably need the whole groundworks or the build to a single contractor.
  3. Thedreamer

    Insulation 2

    @Tennentslager I thought it looked like an old carpet from 70s, hopefully it will be warm. It was very itchy and scratchy to handle. @Redoctober UFH is an option for a suspended timber floor. I think @ProDave has done this on his I believe you use a dry screed mix on top of the subfloor, don't know whether the system differs. At the moment our heating is going to be electric and our stove. I want to utilise the firewood on our croft and hopefully next year make a peat stack. The house is classed as a crofter's cottage, so looking to use the croft to heat the house where possible. I want to use the electric radiators really just as a quick boost early in the morning. Hopefully the amount of south facing will provide sufficient solar gains for most of the day. Although it can be windy here, generally the temperatures are fairly mild through the winter and the recent snow was fairly rare. The house is well sheltered from the prevailing wind coming off those mountains behind the gable end and from those cold north winds behind the house. Here is a couple more that my wife took when I was working overtime in the office 😞
  4. Thedreamer

    And we're off

    @vivienz Was thinking a bit more about this. I see that the HMRC mention this as being a service that you can't get zero rated. 🙁 I guess this is kind of the reverse of getting stuff delivered to site which you also can't claim. So I can understand the HMRC's logic. Strangely if you hired a lorry to provide a muckaway without a crane this would be standard rated but if you paid for a separate digger and operator to be on site and fill the lorry it would be zero rated. This was not an area I had too much experience in as on our site we dug hardcore out of the ground to make the access and spread around the site, the hole dug was then filled with the clay so we didn't have a muck away just paid for plant hire and an operate to shift material around, so it was all zero rated.
  5. Thedreamer

    And we're off

    Usually P&M hire is standard rated, if the builder just hired the lorry it would be standard rate and no VAT would ever be reclaimable. However usually the muckway service is for both use of the lorry and driver as a single service therefore it should always be zero rated. It would be worth going back to the contractor and asking for them to change the invoice as you won't get it back on the VAT reclaim at the end.
  6. Thedreamer

    Insulation 2

    As the winter weather has been prevented us from moving forward with the rendering and other exterior work we have been working on finishing off insulating the suspended timber floor. We had a short wait for the plumber to install some drainage below joist level, once this was done it allowed us to finish off fitting the insulation boards. We then used expanding foam along the edges of the boards to ensure no gaps. The next job was fitting the frametherm as the second layer between the joists. I'm using frametherm 35 between the studs but I wanted to use a 90mm layer of frametherm 32 on top of the quinn therm boards. It's a bit more expensive for the frametherm 32 but the quality compared to the frametherm 35 is very noticeable. I have found the quinn therm and frametherm work well together. It took a while for the order to come to site and we had a bit of a race against time to get this fitted before our joiners came back on site to fit the chipboard, which is the next job on the list.
  7. Thedreamer

    Real World SIPs Experiences

    Strictly speaking it is connected to how the load of the house is distributed if it's onto timber than it would be closed panel timber frame if not then probably SIPs. But I don't believe there is much in the way of difference.
  8. Thedreamer

    Plastering and the white room of paint

    Good job @vivienz once the plasterboard goes up it starts to look like a home.
  9. Thedreamer

    Onward and upward!

    Yup, I can see the arcade look. Last picture looks a bit like a face. A friendly face. The build is looking good, is that you nearly up to date?
  10. Thedreamer

    What type of boarding above rafters

    Did you see the video? Are those bits that get lifted in, like SIPS panels but in a roof?
  11. Thedreamer

    What type of boarding above rafters

    A lot of houses being built here on Skye use roof cassettes. https://www.ruralhouse.co.uk/process/ I wonder how strong these are compared to the traditional rafters/sarking combination?
  12. Has the scheme changed, I though you could borrow on the Scottish Self Build scheme to completion? Don't know if this is still the case but when I looked you needed a mortgage promise to proceed with scheme and I was slightly put off by the revolving credit fund nature of the scheme and the 9% interest if you go past your borrowing period. How easy will your utilities, sewage and access be to install?
  13. I didn't need this for our mortgage. But our lender Scottish Building Society lends once the land has planning permission. https://www.scottishbs.co.uk/mortgages/self-build-mortgage#product-info Presumably others will follow the same policy in England. I'm not aware of buildstore fees including any additional insurances or warranties. We nearly had a deal brokered with Newcastle Building Society and the insurance policy was just for the money lend, rather than connected to the build.
  14. Thedreamer

    Trees!

    That's good to hear you got the grant. The scheme is not that well known and it appears to be just word mouth that allows others to find out about it. Are there any other works you can do to get the quote lower. I went down the route of ducting rather than blinding the trenches and the one of SSE employee mentioned "that everybody would be doing this if they knew it could save £2,000". Our connection fee of 210 meters with a SSE also paying a for road crossing was originally quoted at £9,600 in 2015! After deducting the SSE grant, use of ducting and changing the route slightly this came down to a final net figure of £4,500 after deducting for the cost of the ducting. Seems to be with the electricity companies if you don't ask you don't get.
  15. Thedreamer

    A mortgage to pay a mortgage?

    Have you considered this? https://www.mygov.scot/self-build-loan-fund/ Actually scrap that I don't think the numbers would add up for your project.