Building a house

[FermGael]

Any views on what electric supplier is cheapest up here in the north ? Have to get connected next week

[LeoMc]

150 cavity with 100mm PIR Insulation. Not a fan of the blow in stuff as u are relying on someones word which these days means nothing

On the other hand you are relying on the builder to get the joints and corners right with the board. Swings and roundabouts.

[LeoMc]

Any views on what electric supplier is cheapest up here in the north ? Have to get connected next week

http://www.consumercouncil.org.uk/filestore/documents/Electricity_Price_Comparison_Table_1_June_2016.pdf

[BenDover]

Chaps looking into sticking a pergola up out the back - do any of ye's know anywhere that specialises in these? Visited a few timber yards/builders merchants on Saturday there and can timber required but would like to chat/visit a place that builds them to decide on on a finish and which type of roof cover to stick on top.

[aontroim abu]

Any views on what electric supplier is cheapest up here in the north ? Have to get connected next week

I presume you've got the supply in, cable laid etc etc?

[aontroim abu]

Chaps looking into sticking a pergola up out the back - do any of ye's know anywhere that specialises in these? Visited a few timber yards/builders merchants on Saturday there and can timber required but would like to chat/visit a place that builds them to decide on on a finish and which type of roof cover to stick on top.

whereabouts  Ben?

[FermGael]

Any views on what electric supplier is cheapest up here in the north ? Have to get connected next week

I presume you've got the supply in, cable laid etc etc?

Yes

[BenDover]

Chaps looking into sticking a pergola up out the back - do any of ye's know anywhere that specialises in these? Visited a few timber yards/builders merchants on Saturday there and can timber required but would like to chat/visit a place that builds them to decide on on a finish and which type of roof cover to stick on top.

whereabouts  Ben?

I'm from Armagh, have found a place in Bangor that we can scope out and also phoned McKinney's in Armagh and chatted with them seems like they can sort me out.

[take_yer_points]

Any views on what electric supplier is cheapest up here in the north ? Have to get connected next week

http://www.consumercouncil.org.uk/filestore/documents/Electricity_Price_Comparison_Table_1_June_2016.pdf

https://powertoswitch.co.uk/

That's a type of uswitch website specific to NI. You enter a few details about your usage and it tells you which provider is best for you. It was setup by a fella who was previously the head of the consumer council

[trueblue1234]

Hoping for a bit of help as my electrician is away on holidays and I have to complete a sheet for the load of a new build. So fingers crossed GAABoard can help. 

Have to give general load details for the following, (Kw)

Lighting -(Normal LED bulbs throughout the house)
Unrestricted heating - Not even sure what this is?   
Cooking - 2 ovens and one hob and fan.
water heating - Oil Boiler and immersion
MHRV -

If anyone could give a rough idea of what the KW might be for the above it would be very much appreciated. Kinda left this late to be doing and don't want to wait until the electrician is back again as he's away for 2 weeks. 

[Mhic Easmuint]

Hoping for a bit of help as my electrician is away on holidays and I have to complete a sheet for the load of a new build. So fingers crossed GAABoard can help. 

Have to give general load details for the following, (Kw)

Lighting -(Normal LED bulbs throughout the house)
Unrestricted heating - Not even sure what this is?   
Cooking - 2 ovens and one hob and fan.
water heating - Oil Boiler and immersion
MHRV -

If anyone could give a rough idea of what the KW might be for the above it would be very much appreciated. Kinda left this late to be doing and don't want to wait until the electrician is back again as he's away for 2 weeks.

I don't know much about it but we recently got connected and connection card showed:
Lighting: 4.2KW
Cooking: 5.6KW
Water Heating: 3.0 KW
Motors: 2.6KW

Maximum Import Capacity: 18KVA

[giveherlong]

Anybody taken out a self build mortgage recently? Any reccomendations on who to go with? Thanks

[LeoMc]

Anybody taken out a self build mortgage recently? Any reccomendations on who to go with? Thanks

Only 3 real options in the North, Halifax, BofI or Progressive.
Halifax have the highest set-up costs and Interest rates so I did not look go to them at all.

With BofI and Progressive you can ignore the headline interest rate as both allow you to jump to one of their standard mortgages as soon as the house is signed off so the Self build is essentially a bridging loan. The Progressive rate is discounted  (depending on your loan to value ratio) so it is marginally cheaper during the building phase.

BofI had marginally lower set up fees but I got Progressive earlier this year when they were waiving the fees.
There are slight differences in when each takes their survey fees, BofI before award, Progressive after but before paying out so no real difference.

The big one to consider is who is signing off on the various stages of your build, NHBC builder or Architect. With Progressive they need a higher Liability Insurance, £500K as opposed to £250K. BofI in theory want o see the higher value but they will ignore it if you contracted the Architect directly, i.e. if the house falls down they want the money from you, it is up to you to sure the Architect.

Progressive allow you to set the stages and values, B of I stages are set (I think) but you (your builder) can set the values for each stage.

[giveherlong]

Thanks for the advice
Did you approach the banks directly or through a broker?

[LeoMc]

Thanks for the advice
Did you approach the banks directly or through a broker?

I went direct.