Tag Archives: property

Ever wanted to pressure wash the banking system…..

Banks

Back before the big crash, I transferred some property mortgages to the Heritable Bank Plc, a 132 year old Scottish incorporated Bank which had “a long tradition of providing specialist finance solutions to companies and individuals in the UK” and which had been bought by Icelandic bank Landsbanki in 2000. You used to go with who you trusted in banking, to secure the long term success and stability of your business and Heritable seemed like a good business to trust, long history and all that. Yes, yes, we all know better now. In October 2008, Heritable went into administration, due to the massive over extension of the Icelandic banking system and collapse of parent company Landsbanki. DOH.

There’s been an in limbo period of almost five years where I’ve been paying monthly ‘as per usual’ to administrators but nothing else has happened. I’ve written to them to try and redeem the loan by funding with another lender but was ignored. Then today I get a letter telling me that there has been “a change in your mortgage account” and that the mortgage has been “assigned to Mars Capital Finance Ltd”. So I go on line to look for them and the web-site doesn’t work. So I call the Heritable Bank (in administration) number for information and Mars Capital Finance Ltd answer, but moreorless refuse to give me any information about themselves, e.g. who they are, are they a British company, how long they’ve been trading, etc.

Completely bizarre and not just a little disconcerting. What a strange world we live in where people’s lives and livelihoods get transferred willy nilly across companies and you end up dealing with a business about whom you know and are apparently allowed to know absolutely nothing. But it’s ok, because, as the boy from Mars Capital Finance Ltd said, it’s “all in the terms and conditions”……. I honestly don’t think he could comprehend why I would want to know who it was I was now going to be doing a considerable amount of business with, or more precisely paying a considerable amount of money to.

If I had my way they’d all be hosed down with a high pressure jet wash to wash the bullsh*t away and then we’d all start over again doing banking the proper, old fashioned way. Well, a girl can daydream, can’t she……

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Soaring electric bills & inexperienced tenants in Rip Off Britain

2013-04-29_0004Over this last couple of years, the soaring cost of electric has become a real problem in my rentals. Even though we insulate ceiling and walls, the ridiculous cost of electricity in the UK is becoming a massive problem for young tenants who don’t earn that much money, particularly when they simply don’t realise the cost of heating a home and normal day to day usage. Most of our rentals are gas-free and it’s a fact that there is now a huge difference in cost between heating your home with gas and heating it with electric, to the point where I would actively and absolutely never fit electric heating again.

I’m currently putting together a fact sheet for my tenants about how they can save electric, turning off appliances and chargers for example, but how they can stay warm the old fashioned way:

  • Using a hot water bottle in your bed makes an unbelievable difference, a decent one will stay warm all night.
  • Buying some furry slippers to wear in the house – honestly, the number of tenants I see wearing flip flops in December and complaining that they can’t get warm :-(
  • Changing into a Onesie or slanket for watching TV on the sofa or studying – if you’re sitting still, you get cold faster.

And this isn’t preaching, these are all things I do in my own unrenovated and very cold home! I’m in the midst of row over my own heating bill which, when I had gas heating last year was costing £170 per month – expensive but doable. Then our antique boiler broke and we installed four wall mounted electric heaters in April 2012. Guess what our bill was for Jan and Feb 2013? Same house, same rooms, same people and not even on full….. £1200 for two months. FOR TWO MONTHS!!!!

How stupid are we in this country? The government can stick it’s carbon footprint up it’s arse as far as I’m concerned. All it’s really doing is allowing the utility industry to screw the population for every penny, every pound it can. We need a proper energy revolution!

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How to make a landlord’s day with the perfect thank you card

The Best Landlord AwardSometimes being a landlord is a bit of a thankless task: endless hours of boring as hell paperwork, fighting with the bank, viewings in the rain, cleaning dirty toilets…. you get the picture. But of course, no-one ever feels sorry for landlords as we have single-handedly ruined the economy with buy-to-lets, terrorise people with our Rachman like methods and live lives of luxury driving round in huge 4x4s spending willy-nilly the cash rents we extort from our brutalised tenants in their squalid, cockroach infested tenements. Landlords eh. Bastards.

Only, it’s not always like that. As this lovely Lovely LOVELY thank you card I opened today proved. It warmed the cockles of my heart on this cold March afternoon and will make me smile all day. It made me proud of what we try to do and the homes we try to create for our tenants. It made it worth it :-)

 

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How to paint floorboards a lasting, brilliant white, plus some Pinterest inspiration

How to paint timber floorboards whiteBlog post from April 2009: I know some people may say it’s not sensible to specify white flooring in a rental flat but I really wanted that brilliant white look to add to the feeling of space and light. Solid wood such as limed oak was too expensive, pale carpets mark far too easily in your average rentals and laminate can have sound issues in older buildings….. so when Fallowfield Timber sourced me 36m of 9″ T&G pine boards grooved underneath to prevent the wide boards warping, for just under £300 I was sold!

Fitting and the extra time were a cost consideration but it still worked out the best price wise option. To get the final finish I used: knot sealant over any knots to prevent oil coming through the water based paint & varnish; two coats of B&Q bare wood primer which acts as both primer and undercoat; 120 paper to lightly smooth in between coats;  white spirit to lightly wipe the boards clean of dust; two coats of Dulux Diamond Eggshell in brilliant white. I used this water based paint because oil based whites slowly go yellow as the oil comes to the fore and nicotiney floors are not high on my list of design aspirations!
Finally I sealed the floor with two coats of Ronseal Diamond Hard floor varnish. I opted for a gloss finish but you can chose Satin or Matt dependant on the look you want to achieve.

N.B. FOUR YEARS ON, MARCH 2013 : The floors still look amazing and remain brilliant white. They’re easily scrubbable between tenancies and always come up looking sparkling after a wipe over with Cif. Due to the softness of modern inexpensive pine, heels have made indentations but I don’t mind that so much. I’d have allowed a longer time for the pine to rest and acclimatise in the flat as gaps have appeared between boards but this is not a massive problem in this rented property. If you want perfection, allow at least two week acclimatisation for your newly bought timber to dry out and shrink. In terms of the durability & fit for purpose of the products used – 10/10.

Sian x

For your pure virginal flooring delectation, here are some more amazing Pinterest houses featuring white floorboards:

White floorboards and flooring inspiration

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Filed under 1 : PROPERTY & DESIGN, 2 : HOW TO - MOREGEOUS STYLE

Inspired by a Beautiful Building

Withington Baths & Leisure Centre, Withington, Manchester

The Withington Baths building

I guess in the professional sense, I’ve been a very remiss blogger this last few weeks. After Interiors UK in Birmingham, I posted a initial flurry of gorgeous design shots, then out of the blue came a post about campaigning, then silence. Life eh, that thing that comes along to smack you in the face just when you’re getting organised! I’d resolved so much for January / February 2013, to get my accounts in on time, to not take on any work so I could get ‘office-straight’, to plan the year ahead, to write consistent blog posts….

The problem is that when I left Manchester Uni in 1993 I fell a little in love with the building above, Withington Baths. To me, who at that time had no knowledge of building, property or interiors, the Baths were handsome, solid and somehow grounded into the centre of where I’d chosen to make my home. I’d pass it every day on Burton Road as I walked from my first rented studio flat to the bus stop and would call in for a swim or to use the then tiny gym at weekends, mostly because I couldn’t drive and it was on my doorstep, affordable and friendly.

Withington Baths & Leisure Centre, Withington, Manchester

The pool room

A couple of years later I bought my first apartment directly opposite the Baths. By then I was driving and my weary twenty-something-burning-the-candle-at-both-ends eyes would just about be open by the time I drove around Brigadier Close and stopped at the Wilmslow Road junction. The building was the first thing I saw every morning, in the early sun, the Manchester rain or the snow, always busy with people scurrying in and out and school children lined up outside. The interior balance changed at that time, one of the pools was closed down and turned into a gym but the exterior and use for the community stayed pretty much the same. Without my knowing it, the building was weaving its way into my life as, I’ve found out in the last two and a half weeks, it’s done for over a hundred years with seemingly every other local resident. Over the following 15 years I’ve built my life and business in the immediate area and watched with some sadness as whilst the West Didsbury end of Burton Rd has flourished into a thriving centre of independent businesses, the Withington end and Village have gradually declined. Many mistakes have been made, in planning, lack of correct investment, poor overall management, housing and all have contributed to an overall feeling by many that Withington and the Old Moat didn’t benefit in any way from the ‘boom years’.

Luckily it still had the Baths, pulling together the community and acting as the sole remaining social and sporting hub, despite the lack of care and investment from above.

Entrance at Withington Baths

But, you see, the problem is that although WE all love old buildings and the way they reach into our hearts and take a firm and everlasting grip, most city councils don’t. They don’t like the old tiles which need care and attention, timber doors wanting varnish and love, mazes of rooms and corridors, the traditional ceilings, glass roofs or brick exteriors. Too complicated you see, too much like hard work. City councils like shiny new glass and metal, big boxes which are thrown up cheap and don’t require upkeep, investment and maintenance. Buildings which don’t need ‘keeping’. Mostly they seem to want to spend our money on big boys toys and impressive ‘iconic’ tat. Structures more akin to penis extensions than community hubs.

So it was announced in mid-January that the whole building was to be closed at the end of March 2013, just weeks away. This building which has taught thousands to swim, which is still going strong after a century, which welcomes hundreds every week through its doors to this day, which is relied upon by those in our community with no car, which is a place children can safely walk to and play, which saw tea dances in the emptied pool in the war, which is claimed by so many to be the place that has healed them mentally and physically, which is a hub for people of all ages to meet and mix, which is part of the fabric of our local area and upon which so many rely…. would simply close its doors forever with no local alternative.

Couldn’t not get involved really could I? Sometimes things are more important than getting blog posts out about this season’s colour or what’s the best 2013 choice in sofas. Besides, the Moregeous blog is about interiors, property and buildings…. and sometimes, buildings need people to save them.

The campaign group have had a petition going for just under a fortnight now, one of the methods employed to show Manchester City Council the huge mistake it’s proposing to make. We want a proper Olympic Legacy, we want our community to survive and flourish, we want better than short term cost savings which will have hugely detrimental long term implications.

It’s the big count tonight as we’ve aimed for four thousand signatures in under two weeks – that’s a LOT of names and a HUGE ask. Watch this space : SaveWithyBaths

Original tiles

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Filed under 1 : PROPERTY & DESIGN, 4 - LIFE AROUND WEST DIDSBURY

2013 ~ Let the property whirlwind begin!

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So 2013 begins with at least one day this week when I was actually working on 7, yes 7, properties in one day!
In landlord world there have been heaters to fix, showers to sort, washing machines to clear of hair grips, fuses to change, tenants to move in and out, kitchens to paint….
In interiors world, bathrooms to seal, a terrace to tile, lights to install, a giant smart TV to hoist onto a wall… another endless list! The nicest job this week was installing my Manchester letters onto a kitchen backdrop. I’d like to say it was a one take wonder but today’s job is filling all the holes where I moved the letters around ;-)
The vintage shades I had made into single pendants look fab against the deep blue wall:

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We’ve all been gobsmacked at the weight of this 6yr old TV compared to the new and larger Smart TV. I couldn’t even lift this old one off the wall with one of the lads as it was so heavy, but can pick up the entire new TV on my own. Tech changes in such a short time never fail to amaze, do they? Loving the industrial inspired wallpaper I spec’d for the huge living room wall too!

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Delighted with my bargain of the month, a console table needed for the dressing area at #ProjectRivet… £349 reduced to £85 in John Lewis – result!!

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Got a DIY Disaster fit for a TV appearance? Let us know!

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Team Half Built House are still searching for lovely and enthusiastic DIYers who’ve got the end of their tether / ability / sanity!!

Please get in touch if that’s you, or repost this image on your FB or blog if you might know people who need a little (or a lot!) of help in the DIY department. We’re talking back to brick rip outs guys, not just a bit of wallpapering and anyone in need of assistance MUST have attempted the work on their home themselves!

Thank you
xx

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