Day 4 - Mortgage stress & land split complete.

It's time to finally sort the mortgage.  Reading through the special conditions, (and there are several), it states that we have to sell our current home before we can have the first installment of the mortgage.  Several phone calls and emails later, it turns out it was a mistake by the underwriter and a new offer is being sent out in 36 hours.  Again, another very stressful moment whilst I awaited final clarifcation on this.  Everything else is with the solicitor so I will need to chase this up next week.


When you self build on your garden, you have to separate the land away from the current title via land registry.  We had to gain permission from our current mortgage providers to to release this land and the current equity of the house has to be enough  to cover this split, along with adequate rights of way to satisfy their solicitors.  We had permission to go ahead with this in April and it has taken until the end of August, four months, to finally come through.

The builders have been working hard today.  Our neighbour asked if we would remove an old patio so this has now gone into the hardcore of our drive. 

The base of our house is now cut out and it really is huge.

This will be our patio and garden:

Mum and Dad's base has now started to be dug out as well.  I'm assuming this will be finished tomorrow ready for the footings to be dug after the bank holiday.