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gav05

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About gav05

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  • Birthday June 5

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  1. gav05

    Northern Lights

    Take a look at off the map travel. The are specialist in Arctic holidays and northern lights. Very knowledgeable and a fantastic quality service.
  2. gav05

    Mortgage help

    Thanks that makes me hopefull. They make it alot harder than you would think. I wish I could afford to buy it outright but unfortunately not in a position to. The issue seams to be risk factor. Ie if it all goes wrong not that it will but say i default the mortgage and there left with a half refurbished pub to sell. And that might not get the same Value as mortgage. The brokers are the ones that told me all building work would have to be done to the plans and the building signed off to get a residential. Think this is because there is quite a lot of existing structure that gets knocked down. And new walls and rooms get re-built so hard to value as what is there isn't what will be there when all Finnished. And they wouldn't be able to value it off drawings. And the valuers and to take proposed plans as gospel because we might not actually do it and then they have over lent.they all seam to work on hypothetical scenario's. I have just had a message back from a broker and they referred to nationwide and Skipton as a lender that do consider such property so feeling a little more hopefull now.
  3. gav05

    Mortgage help

    Yes I have got a breakdown off all works I'm in a trade myself and have coated the whole project. But I can get a commercial mortgage or a residential mortgage or bridging finance. Iv read about a self build mortgage apparently it can be used for renovations. Problem is it's completely livable in as is just paint it and new carpets and move in. Unfortunately not that simple as the change of use planning means it needs to be turned into the plans that were submitted. These are different to its current layout and it needs 100k to do the works but I've not got that laying about so I've the plan was to buy it move in and then renovate room by room over time. But thats the issues no lenders available based on that plan. Unless there is a magic loop hole around it. It is a de- licenced pub with residential change of use planning. So no longer classes as commercial to a broker But it's not converted to the plans so it's not the residential property either. It's to expensive to be a average cash buyer property and is not profitable for a developer as it's only a single family home conversion. It's stuck in no man's land and thats why it's still for sale 5 years on Yet if I could get planning on it exactly as it is then just remove the bar and all the pub related parts then it would be suitable for residential mortgage as would be signed off. Unfortunately planning not possible to change back as in a conservation area. Back to the drawing board as they say.
  4. gav05

    Mortgage help

    This is what I wanted but as said not available as still can't secure the mortgage based on the gross development valve. Apparently 120k isn't enough profit security. And it is only bridged for 12 months that's plenty of time to do the works but after that the mortgage for it would be more than I could afford. But if could buy it at agreed price and do the work bit by bit over 3 years I could afford it. I'm going to have to keep trying with brokers and hope I can find one that knows a way around it.
  5. gav05

    Mortgage help

    Still hoping that there is a special lender for such a property. But after 10 or so lengthy phone calls with brokers it's seaming less likely.
  6. gav05

    Mortgage help

    Cheers. My thinking too. Even the experts can't advise me. Local planning department said the minute a meaningful start is made its enough to class as residential. But mortgage lenders saying needs to be completed and building regs signed off. but wouldn't say to what constitutes as complete i.e no paint on walls and not plastered or Finnished but livable in might be my style but apparently to much of a building site look and it's not going to get the correct valuation. Problem is they are all happy to come try value it at £350-500 each visit but then tick the commercial box and still want there Money. It's a joke as it seams like unless you have a big lump of cash to be able to buy it outright purchase then there is no answer. Even the special lenders unsure on its status technically it's not a pub but it's not quite a house as it's 50-50 at min but not viable for either. Iv now got 6 weeks to sort this out. !!!
  7. gav05

    Mortgage help

    Anyone able to give me some advice on how to get a mortgage on a commercial property in this case a pub. We have made a offer on it and been accepted. It has commercial to residential change of use planning approval. So we thought sell ours and buy that and do up and develop as planned. This is where it all becomes a mine field. No one will give a residential mortgage on it as it's still a commercial property and no one will give a commercial mortgage on it as it's de- licenced and not viable as a business and we don't want to run it. So it seems the only way to do it is with a bridging finance mortgage but based on 30% deposit and high interest plus the fact you can only bridge for one year this doesn't work either.as not able to secure the required gross development valve residential mortgage required on it. Anyone who can shed any light on how this frustrating stalemate of impossible lending is doable? I would appreciate any advice. As no one can tell me at what point it changes its use. Regards Gavin
  8. What's the barrel length please also lop and chokes? Can't seam to see spec. Also is it still available?
  9. I got some great bits Pair of shooting socks new musto buckden boots pair of hanwag gtx high boots some gin and a smile of my 5 week old baby girl could not be happier. Not so good a bottle of whisky and a broken watch glass without knowing how it happened oh and a cold Regardless as to what you give or receiving I think Christmas is about family and friends and being together Happy Christmas all
  10. My wife is due November 20th and is currently convinced that little one is coming tonight 🙃 so nervous yes. Excited more than anything also our 1st but found out the sex as the wife wouldn't wait. Hope all goes well for you it's a great precious time in life.
  11. Iv just got mine finally. Went for a Nissan nivara tekna through vanarama. We'll pick up is great and is just what I wanted. The hoops and waiting with vanarama is not worth it.The services is appalling and the are constantly full of lies and passing the blame round there office. Turns out they just order a pre reg truck through a dealer anyway and then avoid all calls and blame nissan in this case.i added a cab for the back and got told 2 days before the proposed delivery it was not in stock therefore I couldn't have the truck till September or I could remove that option and have it in 2 weeks. After waiting 5 weeks already I about lost it with them.now have a temporary cab untill the correct one is in then gave to take it back to hemel Hempstead to get changed. Total cost to vanarama us 0 cost to me for there mistakes £600 for loss of earrings and fule. if you have a lot of patience then it all comes good in the end but if not I would avoid them and go directly to the dealer.
  12. I called them this is a braces this is a day with minox blaser and sauer rifles not your own gun and ammo. So no turning up with your own gun. Just to clarify this Is free ammo through the above guns but not sure on quantity etc still going but think I will need to be careful with the cheque book.
  13. Hi sparkle should be down for rifles and clays?? That's fine im bringing .223 and 17hmr so will bring a few of each should do it.only allowed to hold 120 cf but that will do I don't fancy cooking my barrles. Other than the obvious food etc camping kit is there anything else needed?
  14. gav05

    Live rabbits

    Hi all wanted live rabbits for rabbit pen. As many as possible in the Rutland Linc's Northamptonshire Cambridgeshire Leicester area can collect cheers
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