It’s All Ours


Whooohooo !!! As of today we now own our home. What I mean by that is we have paid the final installments of our mortgage. This is just about a year ahead of the target date and all made possible by retiring and grabbing my pension pot.

Of course, that’s not the whole story, as we are having the conservatory rebuilt and there are staged payments to be made on that. So I suppose we only really own the original bricks and mortar, as built by Barratts.

Earlier today I spoke to the bank to confirm the last payments had been received and was informed that we would get a letter of confirmation sometime next week. The disappointing news is that we will not be receiving the deeds to our house. Modern times and everything is handled electronically. The bank just informs the Land Registry that our mortgage has been paid and the title is formally transferred into our names. Still, I suppose that means I don’t have to find a safe place for such a valuable document, or have to pay for its safe keeping by the bank.

My wife got very excited knowing that the mortgage has gone but for me there is just an immense satisfaction and a sense of relief knowing that I haven’t got to make that huge monthly payment any more. Knowing, also, that the only regular call on my monthly pension is going to be the utilities, council tax and normal living expenses. All other expenditure will be entirely voluntary.

I think we might crack open a bottle of something cold and sparkling to celebrate. Let the party begin.

Conservatory Re-Build – Day 6


Not much to report for yesterdays progress. The brickwork at the utility room end is up to the level where the new back door will be fitted.

Conservatory - End wall viewed from the side passage.
Conservatory – End wall viewed from the side passage.
Conservatory - End wall viewed from the kitchen door, looking out.
Conservatory – End wall viewed from the kitchen door, looking out.

At the opposite end, adjacent to the back door where the old conservatory had pulled the bungalow brickwork out of the vertical, repair work is almost complete.

Conservatory - Bungalow wall repair.
Conservatory – Bungalow wall repair.

The repairs would have been completed, were it not for the super hard screws used to secure the bedroom window. There were two and they seemed impervious to both of my hack saws, even with new blades fitted. Craig arrived early this morning and made short work of the screws using a mini disc cutter.

In the picture you can see that two different types of bricks are being used. Those nearest the door will not be seen when work is finished as the interior walls are being plastered. For those nearest the window frame and down they are reusing the original bricks as they are exterior to the conservatory and will be visible.

Conservatory - Kitchen Door Fixing. This explains why the door stayed vertical while the wall was pulled out when the old conservatory shifted.
Conservatory – Kitchen Door Fixing. This explains why the door stayed vertical while the wall was pulled out when the old conservatory shifted.

This picture shows how Barratt Homes fit doors in timber frame houses. Obviously it is robust enough but to my untrained eye it seems a little flimsy. After all it is plastic, not metal.

Bob and Anton are back this morning and are now, much to everyone’s surprise, to be assisted by Simon, another bricky. So the brickwork should progress quite nicely.