nubbins

Hi, No separate titles for both the new and old house. The red line is the boundary which is on both new and old house titles .Basically what I am looking at is grabbing more land from the old house which will actually mean creating a new title when No 405 (old house) gets sold. The little piece of land will then get its own new title which means when I eventually sell the new house it will be sold with two titles. I have spoken to my solicitor who originally did the land split and he says its doable but grabbing that extra bit of land would mean moving the driveway entrance to the right a bit.

Hi All I recently completed a new build after originally purchasing No 405 and separating the land (shown in red). When my architect originally did the plans we were not thinking too much about a new entrance into the old house (No 405) and we accepted the architects drawings, everything submitted to planning and were happy with everything. After living in the new property for a while we realised we should have paid a little more attention to the driveways in the beginning and we now want the driveway to come across more as show by the blue line, this allows for a couple of cars to be parked at the side rather than all at the front. We still own both plots but are looking to sell No 405 and I understand the pain that we will have with titles and land registry etc but my question for today is if I wanted to move the entrance to No 405 a metre or so to the right as shown with the red block would I need to go back to planning/ highways? Not sure if it makes any difference but both the entrance to the new and old house are entered by a quiet dead end road. Thanks in advance

No, trying to get someone around to do one. Hopefully next week.

Detached 3 storey house as shown, his exact words "As Designed with PV (2 No Panels) with Air Test Result of 5" Am i missing something

I giving serious thought to that. Do you have any pointers to the kits? Thanks

Thanks again Dave, i think something like this is definately doable so I will get onto it, i thought it would run into the thousands!!! i guess a bit of roofer time as well.

Not sure, i sent him the window suppliers quotation which was taken from windows schedule. The impression i got from mr sap was apart from solar or a change of heating system the result would be the same unless i had planned it properly from the beginning?

Prodave - nothing against them per se but at this moment in time its the cost time and hassle factor. Half way through the build we went into the loft which has eaten into our budget. Im now running on fumes, trying to get it signed off by BC which in turn allows the 10 year warranty to be signed off which in turn allows me to get a small mortgage (which is currently going through) to pay the many bits and pieces. Yes all plans and everything else was submitted the BCO and Protek warranty chappie have been out at all the various stages and bc just want SAP and a drainage test. Unfortunately the SAP was overlooked by myself and architect from the beginning. Im not necessarily wanting to deceive but more if I can get past the SAP and bc sign off and then get it done once some cash comes through. The more i look into solar im beginning to think a few more panels wouldnt go amiss, but as I said its more about speed and cost. Ive already tried to contact 4 or 5 installers without any response! The air test of 5 came from the SAP guy.

Just arranging that now, SAP guy says even the best possible score (not sure what that is) would not make it a pass. It think its panels or air source pump which sounds horrible with everything pretty much finished and installed

Interesting you say this, so as it stands building has not yet signed off, need SAP pass (with an air permability test first) The SAP calc as it stands has been frozen as failed and not fully submitted (I think) SAP guy has said he has done different calcs on air permability of 5 and 2 X 300 panels and that will pass SAP guy has said let him know air perm score and arrange for panels to be fitted then he will submitt straight away with the details (Panels, inverter?). I am guessing he might want to see a quote or something with a future date and what exactly would be fitted. My thinking is get the air test done, get a quote for a 2 panel 600w installation, show him that and get the SAP passed and then onto building control for their final inspection. Would BC pick up on no panels and not sign off at that point, they could of course be installed straight away if it caused problems.

Ok thanks. Looks like 2 PV panels as he and you have recommended, any idea on a ballpark figure? How would the process work from here, do I get a guy to fit them, he gives me some sort of cert or document and then I go back to SAP guy and say its done?

Hi All, I have unfortunately made an error in missing the SAP calculations until after the house has been built. I have had someone do the calculations now and he has input all the data only to be told its a fail (Gas boiler, tank, underfloor heating etc). From the conversation i have just had with him was the SAP can pass with a gas boiler but things need to be planned properly from the start of the build. He said the easiest way around it would be a couple of PV panels on the roof (his words) or a air source heat pump which would be messy. Does this sound correct and if so does anyone have a ball park figure on the total cost, he is sending me the specs shortly but I need to get this signed off as I am running on fumes :o(. Thanks in advance

Does anyone know if I need an extractor fan in the downstairs toilet with sink and openable window? Thanks

Hi All, We got PP for a detached house which we started last April and once our builder got up to roof height we decided to go for additional PP for a couple of rooms in the loft which we got eventually. The new PP for the extra loft space has a window in the front and back gable as well as two loft windows . Our joiner has just about completed the roof structure and has put the openings for 3 additional loft windows (see below in red) just in case we wanted them in future, as it happens we would like them now. I contacted council planning and asked them via email (thats the only way you can contact them), they sent me an email telling me to take guidance from a link (here)to the planning portal which states. New roof lights or skylights will not normally require an application for planning permission providing: they do not protrude more than 150mm beyond the plane of the roof slope they are no higher than the highest part of the roof if they are in side elevation roof slope they must be obscure-glazed and either non opening or more than 1.7 metres above the floor level BUT In my decision notice it states 13. Restriction of permitted development rights – windowsNotwithstanding the provisions of the Town and Country Planning, (General Permitted Development) (England) Order 2015 (or any Order revoking and re-enacting that Order with or without modification), no additional windows or similar openings shall be constructed in the first floor level or above in both side elevations of the infill dwelling hereby permitted except for any which may be shown on the approved drawing(s). Reason: To safeguard neighbouring amenities. Relevant policy: Core Strategy policy CP3. Does anyone know if I can put the 3 windows in without going back to planning? The email I sent to council planning enquiries did have the original planning application number and I even asked if I would need some sort non material amendment application but she just sent the planning portal link. I'm tempted to play dumb but would be worried about getting signed off, building regs etc? Thanks

Hi All, Just thinking ahead to the VAT claim, a lot of the materials I am paying for such as concrete, bricks etc I am not getting the receipt just an invoice which gets paid and appears on my bank or CC statement. Will and invoice and copy of a statement suffice? Thanks

Yes that's basically how it was explained but I was wondering if this a common fee/insurance for self build mortgages

Hi All, Another question, I had a Buildstore mortgage advisor on the phone today going through the facts and figures of a mortgage they have found for me. I have a mortgage advisor who normally sorts out my mortgages but thought I would have a look at these as they obviously have expertise in the self build arena. I liked the fact they were on the ball with all the little details and I am happy to pay a £695 fee for that knowledge but what I did not like is a potential £1500 insurance premium payable to BuildLoan Ltd. Is this a common fee as I have never heard of it and am a bit dubious, if its a requirement for most lenders then fair enough. Thanks in advance

Just one other thing, I own my garden plot and also spoke to Ecology, they will only do a repayment mortgage on the self build mortgage and no interest only unless you already have a vehicle setup to pay the capital. They are not going t0 be an option for me as i will be keeping my current property and do not want 2 repayment mortgages running at the same time.

A belated thanks for the info, it sounds like Ecology could be the one for me.

Hi All, I have a plot which I own with PP for a house, I have spoken to Buildstore and a few others about getting an Advance type self build mortgage and they seemed to think it was very doable and the amount they could lend exceeds the cost of the build. My question is how do the payment amounts work? So I own the land outright, if mortgage is agreed do I say I need £30,000 for the foundations then say I need a further £50,000 for the superstructure etc etc. What paperwork do they want to see and do they need to estimates upfront. Thanks

Thanks, that is very interesting and the first time I have been told that any covenants would be on both the old and new titles, even Land Registry did not mention that. Did you manage to get the new title with your own names as I have been told that the new title would have to be in either mine or my wifes name only or a 3rd party as the Land Registry won't create the new title with both mine and my wifes name (for some reason). Mike ha ha thanks, I will do. I did check into this bit and as I am moving into it I think I will be ok just CGT if I eventually sell which I won't be doing for a while...the CIL payment from the council is £43,000 if I sell within 3 years!!

I wonder if you kind folk could help me on something I have overlooked regarding the title and a covenant attached to my current property. This is what I have at the moment: A mortgaged residential property (No.405) with a large double garage (dashed lines) to the left of the property. There is a small substation (marked red cross) to the left front of the garage with a single driveway running from the garage, past the substation to the road. I have planning permission for a separate 4 bed detached (marked No 1b) which will involve demolition of the garage and widening the drive for the new house as shown below I have a mortgage on No 405 which the lender has said I could I could split the title and still be within the loan to value range. They have sent a valuer around and taken into account the reduction of the land. There is a covenant on the No 405 title which allows Southern Electric to access their substation from my driveway and basically says they are allowed access. The current 2 year fixed mortgage ends in March The No 405 title is registered to me and missus What I want to achieve I would like to split the title, raise finance using a self build mortgage, build the house and keep both properties. I am going to get further professional advice and I have spoken to the Land Registry but just wanted to get a heads up first. My main worries are being able to split a title and have the new plot in both our names which we would need for financing. The other concern is the covenant being attached to 405 but splitting the title would detach the covenant from the current house to the new build plot. I am just trying to work out the best sequence to do this. Has anyone been through similar? :o( Thanks

What a late Christmas present, came through today!!!!!............. Wokingham Borough Council, in pursuance of its powers under the above Acts and Regulations, hereby Grants Permission for the above development to be carried out in accordance with the application and the accompanying plans submitted to the Council subject to compliance with the following conditions, the reasons for which are specified hereunder. Many thanks for all your help and advice, I was a bundle of nerves when i hit this site but everyone of your replies really helped. Thanks again, have a good new years eve and like the great Arnie, i'll be back...soom