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Found 2 results

  1. Hi everyone, really excited to be here. I'm Axel. After a long process of deliberation between ourselves, me and my partner decided to finally go down the route of buying property in the UK. A bit of background. We are both Spanish from Barcelona, and we came to Solihull 5 years ago now looking for an adventure. The last couple of years we wanted to leave the UK and try going nomad for a while, but in the end we were undecisive. Finally, we have decided that before doing that, we want to create our first base camp somewhere, and that somewhere we prefer it to be the UK. Now, we don't have a lot of specifications, and we are EXTREMELY unfamiliar with all of this. Things we know/wish for are: We don't have a specific location in mind, but location is important. Having a large international airport nearby is key for us. Birmingham has worked well for us so far, and while we know going norther would be cheaper, the airports are not any better, plus we get further away from London options. So ideally, we would be looking anywhere from Birmingham to the South (we know that's the most expensive part though, but still evaluating the options). We don't have a car (we sold it 2y ago as we didn't need or want it) and ideally we would like to live without one. We use Uber and public transport as needed. Meaning it's sort of important not to be fully isolated, even when we like it. Although if the location was amazing cost-wise, we can consider the car no problem. We want a base camp. Not a fully fledged house. And this is key. Our dream about this started when, after traveling a lot and staying at lots of different places, we realised we really didn't need much to live in. 50sqm were quite enough for us, maybe tight, but 70sqm definitely enough. We currently live in a 3 bedroom semi attached house, and while we love it, we could perfectly live in just the base floor if the bedroom was down here. That is including our entire extension/dining room is a huge office. This is a must for us, the office. We work from home, and have 3 screen setups. We have all this on a full sized board table (2440x1220mm). We are happier to have a tiny main bedroom, but a massive office instead. Linked with the previous, we are looking at a less UK standard house. We are European, and while we love our current UK traditional house, we prefer another style. More northern, modern. Here come the wishes: We have been looking at pre-fab houses, and realised they are really cheap. £25k-£75k we should be able to perfectly find something that suits us. With that in mind we thought: "That's actually cheap for a house! How cheap can we get a plot?" And looking a bit, we started seeing plots that ranged a LOT in price. From £10k-£20k all the way to £100k+. This idea of a base camp makes sense for us if we think of aiming at a total cost of around £100k. With some margin. Up to £130k I'd say. Now you might say (what my mum said to the plan) "Well you're not getting a house for that price". Ok... We just want a tiny dog house. Really, don't think based on normal standards. We could definitely live in just our garden space. Think of a container house. You don't need lots of meters for that plot. Can't we get that plot type for up to £30-£70k? That's our mind picture. Is this feasible somehow? We are not in a rush. But we wouldn't like to leave it for a year either. We have been looking at plots at Zoopla, but as I mentioned earlier, we are extreme newbies. They don't teach this in school. We don't know what to look for in a plot. For example, one of the latest I found was this one. In Reading, 1h from London, between 2 houses. Super well connected, perfectly residential area, seems large enough for our case... No idea what's wrong with it for £10k really. Sure, it's an auction, not final price, but... idk. Maybe? What am I missing? We don't know if we need to ask for a mortgage before or after. Or how a self build mortgage (or any mortgage) works at all, or what good rates are. I'm financially literate though, just not familiar with mortgages. (Worried about this as we are both directors of our own LTD. Salaries are set arbitrarily low for tax purposes, and we get paid in dividends. Not sure if that's easily accepted.) We don't know what the process looks like. In my mind it looks like this. Find plot. Find lender and ask for mortgage. Buy plot. Find ??? that checks with Council (?) that you can build what you want in there. Wait until Council approves. Find ??? that designs/plans what you want to build. (If it's the pre fab I guess they directly do this). Pay. Wait for it and oversee every tiny detail as I want it perfect (and the contractors we've had in the UK so far haven't left great impressions). As you can see, no idea of the agents involved in the process, or even their names. Please correct me as much as needed, this is what I came here for. One thing I know I did right. I already opened a LISA for me and my partner and maxed contributions. And I think this is basically it! Being migrants in the UK, we don't have a large acquaintance circle here, and the ones we have are young. So we don't have who to ask for advice on all these processes really. That's why I went to look for an online community and start learning from kind strangers. And here I am! Thank you so much for sticking by this huge wall of text, and I will be super grateful for any help or guide or anything you can share that helps me step forward even just a bit.
  2. There's been a Facebook post doing the rounds linking to an online petition calling for a relaxation of the rules regarding Tiny Homes and the need for local authorities to allow them. Theres been a couple of occasions reports in the local paper when locals, living in caravans and cabins on family farms, have had enforcement action against them as they don't have planning permission for their tiny homes. As a result there's been a bit of debate about the planning process and it's suitability. Given the lack or affordable housing should we be going down this route. No doubt a few of us are currently living in Tiny Homes! I am.
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