First time buyers: Offer accepted!

I'd hate to be your girlfriend if you are thinking of ways to shaft her.

Why doesn't she get a joint mortgage/loan and put money into it?
Good god, are you a woman with your dumbfounded "logic"?
How is it shafting her, did she stump up any of the deposit money?

Some people aren't ready for the commitment of buying a house jointly with their partner, nor do they want the woman to get a share in it when the relationship may not last, get off the guys back!

Quite aside the point, I think if anyone's going to give OP's girlfriend the shaft, it should be him. Kudos for being inventive, try the Vietnamese shame wheel ;)
 
I'd hate to be your girlfriend if you are thinking of ways to shaft her.

Why doesn't she get a joint mortgage/loan and put money into it?

She is not being shafted. I am paying 60k up-front, she is paying nothing up-front. I am getting the other 60k from my parents, who I will be paying back £500 month, £250 of which will be coming from her. If she keeps up the payments then she will eventually own 25% of the house.
 
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With most relationships and marriages failing at some point, then having a clear agreement up front will save you months/years of heartache when it all goes **** up.

Once bitten, twice shy ;)
 
Received the memorandum of sale and the sellers are using this "Premier Property Lawyers". I don't have high hopes for this being as smooth as I would like it, based on their reviews on https://plus.google.com/112982124591320185985/about?gl=GB&hl=en-GB and http://www.thomsonlocal.com/Premier Property Lawyers/0241786610307246000/

Website blurb says "The difference is our people. 94% of our clients would recommend us to their friends and colleagues"... Google says 2.2/5 stars :D

Oh well, only time will tell and there's not much I can do about it.
 
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Good god, are you a woman with your dumbfounded "logic"?
How is it shafting her, did she stump up any of the deposit money?

Some people aren't ready for the commitment of buying a house jointly with their partner, nor do they want the woman to get a share in it when the relationship may not last, get off the guys back!

Quite aside the point, I think if anyone's going to give OP's girlfriend the shaft, it should be him. Kudos for being inventive, try the Vietnamese shame wheel ;)

If they live together for a set period, doesn't she have an automatic claim to the property?
 
Just received the home buyers report. Cash buy so I didn't legally have to get it, but it was worth doing anyway.

It raised a number of issues, which I have listed below, with some questions for you knowledgeable chaps:

- "The wall is cracked below the front kitchen window, over the concrete lintels generally, below bedroom one window at the rear and over the rear patio doors to the conservatory from the lounge." - Are they big problems, or is it hard to say without pictures/proper inspection?

- "The concrete lintel over the rear patio door is too short." - Same as above.

- "The fireplaces need venting." + "The internal vertical flue pipe may contain asbestos fibres. You will have to use a contractor experienced in this type of work or an asbestos specialist if the flue has to be disturbed or removed." - Fireplace can't be used straight away, and needs to be cleaned/vented by a contractor experienced with asbestos?

- "The electrical system is below current standards. For example the electrical system is not covered by a current inspection and testing certificate, alterations have been made by way of addition of trip switches into the original box and some light switch fittings are damaged. This is a safety hazard (see section J3 Risks). Condition rating 3. You should ask an appropriately qualified person to inspect the electrical system." - Is this something any local electrician could do? Any idea on cost?

- "The gas supply system is not covered by a current inspection and testing certificate (see section J3 Risks). Condition rating 3. You should ask an appropriately qualified person to inspect the gas installation system now." - Same question as above

- "The water/expansion storage tanks are over the cylinder and in the roof space and made of plastic. The water tanks have not got a cover and and not properly insulated. They were not fully visible and should be checked before exchange of contracts." - Is this major, or just something we should check in person before exchanging contracts? Assuming they are not properly insulated as it says, what are the costs involved in insulating these?

- "Although I could see no problems with the heating and have seen evidence that it has been properly checked and serviced, it is an older installation. The maintenance costs will increase over time and many boilers may need replacing after 10 or 15 years." - Isn't this always the case unless it's a very new boiler? Not much we can do about it, something that may need replacing later, or it may not be an issue?

- "Space heating is provided by pressed steel water filled radiators and pipework. The thermostatic radiator valves have not been tested. It should be noted that these can be temperamental and are not always fully effective. The inclusion of anticorrosive additive helps to prolong the life of the radiators and pipework. It should be ensured that an appropriate additive is in the circulation system."" - Is this easy to have tested? Any idea on costs involved if it hasn't already been done?

- "Inevitably the drains will have deteriorated during the life of the building, and it is probable that they are leaking or possibly damaged. Also there is the possibility that drains could have been infiltrated with tree roots. Leaking drains can cause soil erosion and affect foundations. A test by a drainage specialist prior to legal commitment to purchase would be prudent." - Would something like the service offered here http://www.cctvdrainsurvey.co.uk/ be sufficient? Shame they don't have prices on the site.

- "The soil stack is worn and has no cap" - Easy to replace? If so, how much would you expect it to cost?

- "The above ground drainage pipes from the gutters at the rear connect into the underground drains through a number of gullies. The gullies are partly blocked." - Expensive, or just a weekend job clearing them?

- "The land in this area is likely to contain a high proportion of clay. This can become unstable especially when affected by tree roots. The soil can shrink, swell, and damage the drains and foundations. Although I did not see any problems, it is advisable to ask an appropriately qualified person to advise you on the future management of the trees (see section J1 Risks)." - As far as I remember the trees aren't actually near the building, as you can see in this photo:

backgarden-looking-at-house.jpg

Guess it might be worth speaking to someone if/when we move in, but it doesn't seem that major if the trees are far away, and the surveyor couldn't see a problem?

- "You should ask your legal adviser to confirm whether the conservatory has received building regulation approval (including the issuing of a final completion certificate) from the local council and advise on the implications" - According to the property information form they didn't need permission due to the size of the conservatory, but I guess I'll just pass this question on to my solicitor.

- "Although no signs were found of significant timber decay, the type and age of this property means that there is likely to be some infestation by wood boring-beetles and rot in concealed timbers." - Worth getting a survey done? Expensive to fix, or just something to be expected and not to worry about?


There are also some minor issues that I think we will be able to sort ourselves:

- "The shower connection is poorly secured/tied up."

- "A number of floorboards are loose and would benefit from refixing or improved support."

- "The sealants around the edges of baths and wash hand basins can leak and damage adjacent surfaces. If not repaired quickly, wood rot can soon develop."

- "The oven is badly fitted and the fittings are generally worn. Condition rating 2. These should be repaired soon." - Hopefully this can be repaired, otherwise a new oven is ~£200-400?


Despite all the issues above the surveyor still valued it at £5k more than we paid.

Should we ask the vendor to check out the major issues (electricity, gas and drains), pay to have them checked out ourselves, or adjust our offer to take into consideration the cost of having these checked/fixed?

Any advice is appreciated.

Thank you
 
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- "The wall is cracked below the front kitchen window, over the concrete lintels generally, below bedroom one window at the rear and over the rear patio doors to the conservatory from the lounge." - Are they big problems, or is it hard to say without pictures/proper inspection?

- "The concrete lintel over the rear patio door is too short." - Same as above.

These two things alone would worry me enough to bail. Sounds like poorly installed lintels of the wrong spec, improperly installed with potential masonry compression or something going on there. Windows out, lintels out, plaster off inside, inspect brick work I'd imagine?

Asbestos, potential rewire, gas/electric sign off, thermostatic valves, drains, and a couple of mentions of subsidence are pretty worrying individually. But together? Even if 1 or 2 of them pop up I'd be going back to the agent to either renegotiate a substantial drop or to pull out.

Then there's the planning permission query...

All in all, Danger Will Robinson, Danger.
 
Seems like quite a lot of Bog standard scare mongering points there. Just a few points.
1) What is the extent of the cracking under the window? Does it follow the mortar joint or are the bricks cracked?
2) Get an electrician to carry out a test of the system. Maybe it would be worthwhile installing a new consumer unit.
3)If the boiler is working dont worry about it. But maybe budget for possible renewal in coming years. Does the heating system work?
4) The gullies are most probably just silted up. Just remove the grating and scoop it out.
5)Soil stack cap is easy to replace. Its only to stop birds nesting in there. Replacement of the stack is easy too.
6) Are there any large trees very near to the property?
7) Does the cooker work? if so dont worry as most probably just cosmetic wear.
8) What sort of fire is it? How does he know the chimney has been lined with asbestos?
9)How far does the conservatory extend from the house wall? If its under 3m then you dont need planning permission. Just ring your local planning department and ask them if planning was applied for and if building reg approval was requested.
10) what end bearing is there on the patio lintel? It should be 150mm min.

a lot of the comments hes made can apply to any older building and as such they are just generic to justify his fee in my opinion.

I'd just get a sparky and a plumber round to get their opinions.
 
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Bought a few house in my 50 years. My advice is to still Run from this one. Too many bad sounding problems that may escalate into big money pits.
 
These two things alone would worry me enough to bail. Sounds like poorly installed lintels of the wrong spec, improperly installed with potential masonry compression or something going on there. Windows out, lintels out, plaster off inside, inspect brick work I'd imagine?

Interestingly this was only raised as something that needs to be monitored/repaired sometime in the future, not repair immediately.

Here is the full section about this from the report:
The wall is cracked below the front kitchen window, over the concrete lintels generally, below bedroom one window at the rear and over the rear patio doors to the conservatory from the lounge.

The concrete lintel over the rear patio door is too short. Further investigation is needed. Condition rating 2.

As far as can be seen from this single inspection the movement seems to be non progressive.

You should ensure that the costs of remedying any structural movement which may occur in the future are covered by your Building Insurance Policy.

There is a risk that the metal ties normally built into the wall cavities of buildings or extensions constructed before 1982 will corrode.

There is some foam infill around the left hand side hopper. A vent at ground level to the rear is damaged.




Seems like quite a lot of Bog standard scare mongering points there.

*snip*

a lot of the comments hes made can apply to any older building and as such they are just generic to justify his fee in my opinion.

I'd just get a sparky and a plumber round to get their opinions.

These are my feelings too. He's mentioned several things that might be an issue in a property like this, (e.g. "Although no signs were found of significant timber decay, the type and age of this property means that there is likely to be some infestation by wood boring-beetles and rot in concealed timbers.") but said there is no evidence of it.

I don't think we should be put off by things that could be wrong with the property purely based on it's age, if there is no evidence of that being an issue.

1) What is the extent of the cracking under the window? Does it follow the mortar joint or are the bricks cracked?

10) what end bearing is there on the patio lintel? It should be 150mm min.

2 things we are going to have to go back ourselves to take a look at.

2) Get an electrician to carry out a test of the system. Maybe it would be worthwhile installing a new consumer unit.

Something like http://www.gas-elec.co.uk/Electrical-Installation-Condition-Report.html? Probably worth doing, but I'm always reluctant to go with companies that also offer repairs, because they will always find something to fix to get more money.

3)If the boiler is working dont worry about it. But maybe budget for possible renewal in coming years. Does the heating system work?

Yes the heating works. There is a British Gas Homecare report dated sometime in November (i'd have to dig it out to find the exact date) and it all seems to be fine from their point of view.

6) Are there any large trees very near to the property?

The closest tree is the neighbours, on the left of this picture:
backgarden-looking-at-house.jpg


Would roots really be an issue from this distance? If the tree fell down and damaged our property isn't this something that'll be covered by the home insurance?

7) Does the cooker work? if so dont worry as most probably just cosmetic wear.

Yes I believe it works.

8) What sort of fire is it? How does he know the chimney has been lined with asbestos?

I asked the surveyor for clarification about the fireplace issue. He said they currently have a replacement/fake fireplace, and if we were to take this out (or do any work on it), we'd have to consider a contractor that can work with asbestos because there may be fibres.

I'm not sure if he knows any part of the property contains asbestos, or it's an assumption based on the buildings age (1945-1950)

9)How far does the conservatory extend from the house wall? If its under 3m then you dont need planning permission. Just ring your local planning department and ask them if planning was applied for and if building reg approval was requested.

According to the property information form planning permission was not required due to the size of the conservatory.

Potato quality picture of the conservatory:
rear-house-close.jpg

I also sent the report to my dad to take a look. He's a mechanical engineer and very savvy diyer etc... he thinks the survey is really just a "Quick look round and cut and paste a load of standard comments to cover his back in case he has missed something.", and thinks most of the issues are minor, or just general comments about the property and what could be wrong with it based on it's age, rather than issues the surveyor actually identified.

He's also sent the report to my uncle, a civil engineer to see if he has any comments.
 
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They are all definatley standard/generic comments all of which are valid for an older property so I wouldn't worry too much personally apart from the brickwork defects.
Maybe get a plumber and electrician round to give a quote on upgrading and just see what their opinion is.
If a tree is too close to the property the roots can undermine the foundations and cause subsidence but the tree looks miles away so it seems fine to me.
Just something to note on the conservatory it doesnt appear to have any brickwork walls so be aware it will be red hot in the summer and freezing in the winter so the space wont be very usable to you.
I like the rear garden its like a football pitch.
 
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I also sent the report to my dad to take a look. He's a mechanical engineer and very savvy diyer etc... he thinks the survey is really just a "Quick look round and cut and paste a load of standard comments to cover his back in case he has missed something.", and thinks most of the issues are minor, or just general comments about the property and what could be wrong with it based on it's age, rather than issues the surveyor actually identified.

This ^

We didn't bother getting a report on our house buy a year ago, despite the house being ~110 years old.

We had just sold a similarly aged house and witnessed first-hand the buyers' surveyor giving no more than a cursory glance at the place. Worse was the damp report they subsequently had commissioned - the guy didn't bother doing anything with most rooms as there were carpets in the way (he was in the house for less than 5 minutes). Similarly, we ourselves had a report done on that house when we bought in the first place, and some of the comments were pure cut and paste (e.g.standard "past evidence of subsidence", when there was no such)

It's a scam - unless you view properties with your eyes closed, the report isn't going to tell you anything you can't see for yourself which would actually affect your decision to buy.
 
Just have a further look into that asbestos issue again. Asbestos is very hazardous and is expensive to remove. I cant see why the chimney would be lined in asbestos at all. maybe its another one of his generic assumptions?
 
This is what my uncle, a civil engineer, thinks of the house and the home buyers report:

The report writer seems of sound mind and singularly unimaginative.

Stupidity can never be eliminated but he didn't find anything unusual or troubeling.

His statement that he couldn't find a shut off valve for the water supply is by far the most significant comment. You should find it and check it works or get one installed.

Noticeable that there were no comments on the electrical systems. Now would be the time to find the panel and check it has spare fuses (or wire) as after an outage is not the best time to discover they don't make that type any more.

A sheet of plywood,asbestos,neoprene or stuff placed over the water tank would be worthwhile, it keeps out both live and dead critters which otherwise are found on ones toothbrush.

Sometime in the spring or early summer it sounds as though it is time to recaulk round windows and doors. You need to make a judgement on how much the pointing on the roof ridge and chimney have deteriorated, nothing rots wood like regularly replenished water.

Overall sounds like a sound house, internal décor is an individual taste but the house seems like it could go another 50 years given normal care.

I'm going to the house tomorrow to take a look at a few things raised in the report. An electrician will also be turning up to do a condition report.
 
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1) What is the extent of the cracking under the window? Does it follow the mortar joint or are the bricks cracked?

We looked thoroughly several times, but we couldn't find cracking underneath any windows. The only crack I could find was above the lintel in the conservatory, as you can see here:

conservatory-crack-1000width.jpg


It follows the mortar. My dad wasn't too worried by it. What do you think?

10) what end bearing is there on the patio lintel? It should be 150mm min.

Unfortunately we stupidly did not have a tape measure to hand, but there is a picture of the lintel.

conservatory-lintel-1000.jpg


There is a small gap at the left, close up here:

conservatory-lintel-left-end1000.jpg


Is this normal?
 
No, The lintel should be bigger and extend into the wall to spread the load on to the bricks each side of the French doors.

In the middle picture, it looks like the crack extends outside the conservatory?
 
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