Howmanheyman 39100 Posted August 12, 2020 Share Posted August 12, 2020 2 hours ago, Monkeys Fist said: Isn’t everything a bit… well… cock-eyed? He's not called Mala, either. 1 Link to comment Share on other sites More sharing options...
NJS 4826 Posted August 13, 2020 Share Posted August 13, 2020 Went for a swim earlier this morning - gym has sorted it quite well with a booking system to limit numbers. Absolute heaven to get back in the water for the first time since the end of February. Don't fancy the gym yet but a whiff of normality. 1 Link to comment Share on other sites More sharing options...
The Fish 11697 Posted August 13, 2020 Share Posted August 13, 2020 Been looking at doing some work on the house and had a couple of questions if anybody's not a total cunt about it, I'd be delighted. a) Our mortgage is fixed for another 4 years or so, and this isn't vital work, is it worth holding off until then? 2) we'd need to take some money out of the house, but a few online valuation shows that the value's gone up enough to cover the work, is it necessary to fuck around with the mortgage or is there another (cost-effective) route? iii) is it necessary to use an architect (there is structural work required). Right, free free Calippo lolly to the first non-arsehole. Link to comment Share on other sites More sharing options...
ewerk 35089 Posted August 13, 2020 Share Posted August 13, 2020 (edited) Borrowing more on your mortgage shouldn't be a massive hassle. They'll do the usual affordability and credit checks and send a valuer round as if you were taking out a new mortgage but it's no big deal. You could take out a shorter term loan but you'll obviously pay more back more quickly. Whether you need to get an architect depends on the work you're doing. I'm knocking a wall through shortly and had an architect friend round to look at it who told me I'd just need to send off a form to the local council with details of what I was doing and what supporting lintel I was going to use and it's as simple as that. Edited August 13, 2020 by ewerk Link to comment Share on other sites More sharing options...
TheGingerQuiff 2412 Posted August 13, 2020 Share Posted August 13, 2020 Giving a free free lolly away seems a bit thrifty Link to comment Share on other sites More sharing options...
Tom 14625 Posted August 13, 2020 Share Posted August 13, 2020 He’s spending a lot on the van you’ve got to go into the back of to get it. 1 Link to comment Share on other sites More sharing options...
strawb 4955 Posted August 13, 2020 Share Posted August 13, 2020 1 hour ago, The Fish said: Been looking at doing some work on the house and had a couple of questions if anybody's not a total cunt about it, I'd be delighted. a) Our mortgage is fixed for another 4 years or so, and this isn't vital work, is it worth holding off until then? 2) we'd need to take some money out of the house, but a few online valuation shows that the value's gone up enough to cover the work, is it necessary to fuck around with the mortgage or is there another (cost-effective) route? iii) is it necessary to use an architect (there is structural work required). Right, free free Calippo lolly to the first non-arsehole. What kind of work are you doing? Unless it’s a big extension then no real need for an architect, you can extend out up to 4m (single storey, and more than 1m from the boundary) under permitted development. Would be worth contacting a structural engineer to do you some sums and drawings for where the steels etc are going if it’s just a knock through for example Link to comment Share on other sites More sharing options...
TheGingerQuiff 2412 Posted August 13, 2020 Share Posted August 13, 2020 Somebody wants some van time with fish 1 Link to comment Share on other sites More sharing options...
PaddockLad 20277 Posted August 13, 2020 Share Posted August 13, 2020 Our mortgage deal is up in February, we’re going into it for new bathroom & kitchen....the pitifully low mortgage rate at the moment is only encouraging us... Link to comment Share on other sites More sharing options...
sammynb 3962 Posted August 13, 2020 Share Posted August 13, 2020 Back of our as of Wednesday, we moved out last Thursday for 5 months. Davey, no do it now if you can afford it, four years time might see things start to improve. Don't know about there but here if it is substantial work you would refinance your home mortgage, any other way you are paying higher interest. It's not necessary a good draughts person could do it but an architect will save you a bit of ball ache if you have to deal with government bodies - here you deal with local council and those cunts try it on all the fucking time. An architect will have ideas a draughts person will draw up what you want. Link to comment Share on other sites More sharing options...
Renton 25149 Posted August 13, 2020 Share Posted August 13, 2020 4 hours ago, The Fish said: Been looking at doing some work on the house and had a couple of questions if anybody's not a total cunt about it, I'd be delighted. a) Our mortgage is fixed for another 4 years or so, and this isn't vital work, is it worth holding off until then? 2) we'd need to take some money out of the house, but a few online valuation shows that the value's gone up enough to cover the work, is it necessary to fuck around with the mortgage or is there another (cost-effective) route? iii) is it necessary to use an architect (there is structural work required). Right, free free Calippo lolly to the first non-arsehole. What we did was sell our house and bought a wreck in a better location with more potential. We had enough from the sale to finance the building work. On a fixed mortgage now which finishes next year, when hopefully we can refinance to get some money to pay off some short term loans and finish off stuff we can't presently afford (principally a new drive way). I'd wait personally now though to see how things turn out, you'll have to pay a charge to change your mortgage. Id definitely get an architect and structural engineer for anything but the simplest extension. There's so much scope for fuck ups. Link to comment Share on other sites More sharing options...
ewerk 35089 Posted August 13, 2020 Share Posted August 13, 2020 (edited) 2 hours ago, Renton said: finish off stuff we can't presently afford (principally a new drive way). Jaysus, sure I’ve some tarmac left over from a job I just finished up the road. I’ll do you a good price. Edited August 13, 2020 by ewerk 2 Link to comment Share on other sites More sharing options...
strawb 4955 Posted August 13, 2020 Share Posted August 13, 2020 Wouldn’t trust an Irish who does drives. All your scrap metal will go walking Link to comment Share on other sites More sharing options...
Ayatollah Hermione 15531 Posted August 14, 2020 Share Posted August 14, 2020 Can’t find the thread about work bullshitters but someone has just rang in to say they have to take their dogs to the vet because it “has a bad head” 2 Link to comment Share on other sites More sharing options...
The Fish 11697 Posted August 14, 2020 Share Posted August 14, 2020 15 hours ago, strawb said: What kind of work are you doing? Unless it’s a big extension then no real need for an architect, you can extend out up to 4m (single storey, and more than 1m from the boundary) under permitted development. Would be worth contacting a structural engineer to do you some sums and drawings for where the steels etc are going if it’s just a knock through for example Extending into the side return of a Victorian terrace from the kitchen and dining room, and maybe pushing back a meter or so. Aim is to make one large kitchen/dining space that opens into the garden. Have to knock through 2 external walls, stick big doors on the back and make sure there's plenty of light coming in through the extension roof. 13 hours ago, Renton said: What we did was sell our house and bought a wreck in a better location with more potential. We had enough from the sale to finance the building work. On a fixed mortgage now which finishes next year, when hopefully we can refinance to get some money to pay off some short term loans and finish off stuff we can't presently afford (principally a new drive way). I'd wait personally now though to see how things turn out, you'll have to pay a charge to change your mortgage. Id definitely get an architect and structural engineer for anything but the simplest extension. There's so much scope for fuck ups. To be honest, I agree that it's probably best to wait. We're not planning on moving any time soon and while the kitchen is something we want to do, it's not in a shit state or anything. Link to comment Share on other sites More sharing options...
The Fish 11697 Posted August 14, 2020 Share Posted August 14, 2020 17 hours ago, ewerk said: Borrowing more on your mortgage shouldn't be a massive hassle. They'll do the usual affordability and credit checks and send a valuer round as if you were taking out a new mortgage but it's no big deal. You could take out a shorter term loan but you'll obviously pay more back more quickly. Whether you need to get an architect depends on the work you're doing. I'm knocking a wall through shortly and had an architect friend round to look at it who told me I'd just need to send off a form to the local council with details of what I was doing and what supporting lintel I was going to use and it's as simple as that. Cheers. An architect friend, you say. I need to get me one of those. Got a builder and an electrical engineer, but no plumber and no architect. Link to comment Share on other sites More sharing options...
Tom 14625 Posted August 14, 2020 Share Posted August 14, 2020 Del Boy impressions with your Corgi registered friends Link to comment Share on other sites More sharing options...
Gemmill 53971 Posted August 14, 2020 Share Posted August 14, 2020 (edited) 26 minutes ago, The Fish said: Extending into the side return of a Victorian terrace from the kitchen and dining room, and maybe pushing back a meter or so. Aim is to make one large kitchen/dining space that opens into the garden. Have to knock through 2 external walls, stick big doors on the back and make sure there's plenty of light coming in through the extension roof. To be honest, I agree that it's probably best to wait. We're not planning on moving any time soon and while the kitchen is something we want to do, it's not in a shit state or anything. Full version here: Edited August 14, 2020 by Gemmill 5 Link to comment Share on other sites More sharing options...
strawb 4955 Posted August 14, 2020 Share Posted August 14, 2020 38 minutes ago, The Fish said: Extending into the side return of a Victorian terrace from the kitchen and dining room, and maybe pushing back a meter or so. Aim is to make one large kitchen/dining space that opens into the garden. Have to knock through 2 external walls, stick big doors on the back and make sure there's plenty of light coming in through the extension roof. To be honest, I agree that it's probably best to wait. We're not planning on moving any time soon and while the kitchen is something we want to do, it's not in a shit state or anything. If you are going right up to the boundary at the side it might need a party wall surveyor depending on how next door is laid out. Would definitely recommend a structural engineer since you will need a fair few steels. Link to comment Share on other sites More sharing options...
Monkeys Fist 47310 Posted August 14, 2020 Share Posted August 14, 2020 2 hours ago, Ayatollah Hermione said: Can’t find the thread about work bullshitters but someone has just rang in to say they have to take their dogs to the vet because it “has a bad head” @wykikitoon, don’t read this, it’ll set you off again. Link to comment Share on other sites More sharing options...
Billy Whitehurst 1091 Posted August 14, 2020 Share Posted August 14, 2020 2 hours ago, Monkeys Fist said: @wykikitoon, don’t read this, it’ll set you off again. Nah, please do read it. I love wykikitoon’s workplace rants. We haven’t had an update for ages. 1 Link to comment Share on other sites More sharing options...
wykikitoon 24580 Posted August 14, 2020 Share Posted August 14, 2020 3 hours ago, The Fish said: Cheers. An architect friend, you say. I need to get me one of those. Got a builder and an electrical engineer, but no plumber and no architect. An architect wont have a clue about what's holding up the building. Only whether mocha maker will fit in the corner of the kitchen 1 Link to comment Share on other sites More sharing options...
wykikitoon 24580 Posted August 14, 2020 Share Posted August 14, 2020 4 hours ago, Ayatollah Hermione said: Can’t find the thread about work bullshitters but someone has just rang in to say they have to take their dogs to the vet because it “has a bad head” Place I used to work had a lad like that. He once called up and said his dog had tooth ache. An admin lass said that was the last straw and emailed the main gaffer. He said he would sort it. He just emailed the lad asking him not to upset her 4 Link to comment Share on other sites More sharing options...
Monkeys Fist 47310 Posted August 14, 2020 Share Posted August 14, 2020 Bingo 3 Link to comment Share on other sites More sharing options...
Gemmill 53971 Posted August 14, 2020 Share Posted August 14, 2020 1 Link to comment Share on other sites More sharing options...
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