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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 15:59 
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Gogmagog

Joined: 30th Mar, 2008
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Location: Cheshire
How much would a freehold be, compared to the price of the flat above it? Behind us (and attached, terribly complicated, I cannot work out how this building has been divided) are two flats, the lower holds the freehold, the upper the leasehold. I want both.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 16:03 
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Gogmagog

Joined: 30th Mar, 2008
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Location: Cheshire
MaliA wrote:
How much would a freehold be, compared to the price of the flat above it? Behind us (and attached, terribly complicated, I cannot work out how this building has been divided) are two flats, the lower holds the freehold, the upper the leasehold. I want both.


Actually, could I buy the upper flat and just knock through?

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 16:56 
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Can't re-member

Joined: 27th Mar, 2008
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Location: Liberty City
The lower may also be leasehold, and someone else owns the freehold. Land ownership is stupid.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 18:59 
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Commander-in-Cheese

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Goddess Jasmine wrote:
Cras wrote:
I've been trying to buy a flat for god knows how long, and everything that could go wrong so far has gone wrong. So post January this year as part of the Grenfell fire follow-up there's a new process for lenders to assess risk of issuing mortgages on flats. The valuer conducts a valuation. If the building is taller than 18m or the valuer notes that there are cladding materials that may possibly be combustible then the lender requires that the buyer provide an EWS1 form completed by a fire safety certified chartered surveyor to confirm that the cladding materials will not support combustion.

There are problems with this.

Firstly, the surveyor is not a fire safety certified chartered surveyor, therefore if there is cladding, the valuation will by necessity state that there are cladding materials that may possibly be combustible, triggering the EWS1 process even in low-rise buildings
Secondly, there are nowhere close to enough fire-safety certified surveyors to meet the demand for these forms
Thirdly, insurers are advising the certified surveyors not to fill out and sign the EWS1 forms due to liability risks

It's effectively impossible right now to buy or sell a flat with any cladding of any kind.

Is this a particular flat, or just any that you have seen?

I understand this in principle, but as with many other things, in practice... :(

I'm sorry this is causing you issues though.


It's the one I'm currently living in, which is extra frustrating! Means I'm less likely to lose it though

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 19:04 
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Can't re-member

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Buying it from your landlord? That’s great as it means you don’t have to move! Hope it goes through ok eventually.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 20:35 
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Board Mother

Joined: 6th Apr, 2008
Posts: 10241
Location: Mount Olympus
Cras wrote:
Goddess Jasmine wrote:
Cras wrote:
I've been trying to buy a flat for god knows how long, and everything that could go wrong so far has gone wrong. So post January this year as part of the Grenfell fire follow-up there's a new process for lenders to assess risk of issuing mortgages on flats. The valuer conducts a valuation. If the building is taller than 18m or the valuer notes that there are cladding materials that may possibly be combustible then the lender requires that the buyer provide an EWS1 form completed by a fire safety certified chartered surveyor to confirm that the cladding materials will not support combustion.

There are problems with this.

Firstly, the surveyor is not a fire safety certified chartered surveyor, therefore if there is cladding, the valuation will by necessity state that there are cladding materials that may possibly be combustible, triggering the EWS1 process even in low-rise buildings
Secondly, there are nowhere close to enough fire-safety certified surveyors to meet the demand for these forms
Thirdly, insurers are advising the certified surveyors not to fill out and sign the EWS1 forms due to liability risks

It's effectively impossible right now to buy or sell a flat with any cladding of any kind.

Is this a particular flat, or just any that you have seen?

I understand this in principle, but as with many other things, in practice... :(

I'm sorry this is causing you issues though.


It's the one I'm currently living in, which is extra frustrating! Means I'm less likely to lose it though

Well that's something at least! I'm glad you're getting it though, I love that view you have over the ocean. ;)

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 23:36 
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Commander-in-Cheese

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:DD

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 16:19 
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Unpossible!

Joined: 27th Jun, 2008
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Guess who managed to crack his windscreen when changing his wiper blades?

If you guessed Davpaz, you were correct


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 16:31 
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Can't re-member

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Oof

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 16:38 
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Unpossible!

Joined: 27th Jun, 2008
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Mr Chonks wrote:
Oof

Indeed.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 16:45 
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Gogmagog

Joined: 30th Mar, 2008
Posts: 46128
Location: Cheshire
DavPaz wrote:
Mr Chonks wrote:
Oof

Indeed.


Ouch

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 16:48 
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Unpossible!

Joined: 27th Jun, 2008
Posts: 36222
£40 for the wipers, £100 for the screen. Pricy goof


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 17:26 
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"Praisebot"

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That's some going!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 18:48 
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Lord Humongous

Joined: 27th Mar, 2008
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£40 wiper blades?!

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Sat Jun 27, 2020 19:02 
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Excellent Painter

Joined: 30th Apr, 2008
Posts: 6976
Location: Behind you
I've got a crack across the screen on my car that appeared about a week ago. Then when cleaning the interior of the car I managed to hit and break the RV mirror off the windscreen! I will get it all sorted in the next week or so :/

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