Sit rep

The bad news is that the mortgage company liked us but didn’t like the location of the house; they felt it was too remote to make a good holiday let!  I asked our broker to point out that was kind of the point and he sent them a link to this recent Conde Nast Traveler review of the North Coast 500, saying it “may be the best road trip in the world”, but they decided it wasn’t for them.  At this point, the broker said that if we really didn’t want to do it as a normal buy-to-let, he was out of options, so I spoke to a commercial holiday let specialist broker, who said that his fees on such a small mortgage would be uneconomic, but there was only one mortgage company he knew of which would do a loan of that size against a holiday let in Scotland and I should just ring them directly.

Several phone calls later, they’ve indicated they’re willing to lend subject to us putting in a full application and getting written confirmation from a holiday letting agency that our house will make £9,600 a year in rentals net of agency commission.  Several more phone calls and I’m waiting for the local area rep for one of the UK’s biggest companies (just under 20,000 holiday cottages on their books) to get in touch to arrange a no-obligation visit – I think it’s actually the perfect time for her to come and have a look, because I can ask her to assess Ethel’s house as well, and what she tells me will dictate, to some extent, how much money we invest in the furniture.

I’ve also found a very helpful holiday letting forum, Lay My Hat, which is proving to be a fantastic resource for finding out about where to buy good-quality bed linen and towels without breaking the bank, what to provide in kitchens and so on.

Meanwhile, down the road I’m still chipping away at the plastering and after a good 4.5 hour session today, the downstairs is pretty much done.  Mick will sand it down tomorrow (this is his punishment for accidentally putting a tapered edge piece of plasterboard on an external corner, leaving me with an absolute crater to plaster over!) and then it’s just a case of filling in any little holes with a Go Outdoors loyalty card (nice and flexible!).  I’ve started plastering the small bedroom upstairs, but we need to get a few more sheets of plasterboard so Mick can finish off the gable ends in the other two bedrooms before I can do them.  He’ll give Rembrand a ring next week and fingers crossed they’ll be coming west and can bring them out.

Traditional Easter

Easter weekend and DIY – as British a tradition as toast and Marmite 🙂  We have been no exception, although I had to bow out gracefully today because I’ve pulled a muscle in my back.  We’ve made progress though.

Mick has plasterboarded one of the dormers upstairs.  Originally this was just a flat ceiling, but I wanted it opened up and I’m glad we have, though it’s going to be a git to plaster.

Talking of which, I’ve nearly finished plastering the kitchen – just the sides of the chimney breast and the window to go.  Mick started to sand down the dried stuff, but his lovely new random orbital sander worked for about 15 minutes and then the motor burned out, so that’s going to be a phone call to the place he bought it tomorrow!

While I’ve been plastering, Mick has been plumbing and the shower mixer is now plumbed in and plasterboarded over.  We thought we could hear a drip, but when Mick took the right-hand sheet of plasterboard off, everything was bone dry and we couldn’t hear it any more, which is a bit strange.  We’ve left the plasterboard off for now and will investigate properly next weekend.

Spoils of my last shopping trip – black slate to tile the shower with, a mosaic tile for a border, teal paint for the double bedroom, grey for the living room, platinum for the bathroom (which will have one dark grey feature wall opposite the shower) and sage green for the single bedroom.

Pete’s done an amazing job with the fireplace.  The mortar has faded as it’s dried (the close-up was taken on Friday, the wider angle today) and all he has left to do is clean the stone up and then he can fit the stove.  I’ll be asking David to finish it off by doing a return back to the stone and then a simple wood frame around it, painted white.

I heard back from my friendly mortgage broker on Thursday.  He wants to approach two different lenders and asked me to fill out a chunky form with all our financial information and send it to him, together with Mick’s payslips, my tax returns and copies of our credit reports.  I’ve pulled it all together over the weekend and emailed it over today, so all I can do now is cross my fingers.

Not ready

David sent me a text this evening to say he’d be over in the morning to start laying the floor and I have had to confess that we’re not ready.  I’ve asked him to come anyway and do the woodwork round the windows and doors upstairs, but we had such a busy week last week that we didn’t manage to get anything done, and we didn’t get as far as we’d hoped the week before.

It’s not all doom and gloom, we have made progress and I’ve discovered that a girl’s best friends are definitely these:

I’ve learned how to fill quite large gaps between plasterboard sheets in a ceiling

I’ve done taped joins so smoothly that Mick’s only comment has been, ‘Bloody hell, you’re doing all the plastering from now on!’

And today I had my first go at corners and they didn’t turn out too badly either.

Dougie was in while we were working down there the week before last and we now have light switches and some lights in.  He’ll fit them all properly once we’ve painted.

I’ve also bought the wall lights for the living room, which are these – bad picture, they’re actually burnished silver and although most of the light goes upwards, the bottom of the dish is transparent, so there’s a small glow downwards as well.

Finally, Mick needed to know how thick the tiles were going to be in the bathroom, so he could buy the correct attachment for holding the rainfall shower head in place, so after failing to get to the tile shop in Inverness after my return flight from London was delayed just under three hours, I hit up Homebase in Wick and came back with 7 square metres of black slate tiles, two black and silver mosaic squares to cut into a slim border, and most of the rest of the paint.  Now we just have to apply it all to the house…

Dancing on the ceiling

Or at least that’s what it’s felt like at times today!  While Mick spent the day cutting and fitting insulation and plasterboard around and over the wall in the hallway where the heating pipework runs up to the manifold, I got my overalls on and set to working taping and skimming the gaps between plasterboard sheets.  We need to get the ceilings done first so that we can get some paint on and then Dougie can come back and fit the lights and smoke alarms.

Starting off with the scrim tape in the bathroom – we’re having dinner plate-sized lights in there.

Since we weren’t doing anything dusty, we had a couple of helpers.  Jura approves of underfloor heating!

It’s been about 10 years since I last did any plastering, but Mick came in to inspect my work and pulled that sort of surprised/approving face you make when you were expecting a mess and it actually turned out to be okay.  This will get a light sand down tomorrow and then a second skim to smooth out any last holes.

The upstairs ceilings are all done apart from the landing (we need to set up our over-the-stairs platform again) and the downstairs are all taped apart from the kitchen (Mick was working in there) and the hall (no ceiling!).  I might be able to get a fairly neat finish on the ceiling, but am less tidy when it comes to me…thank goodness for overalls!

 

Game over on the fireplace

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Well, I was right.  When Pete called in for the key this morning, he said the absolute best prices he could get from his insurers and from the people who’d provide the steel to support it would price the job at £2,200.  Now, spending that on opening up a single fireplace would be fine if we were doing a cottage in, say, Oxfordshire, which was going to be worth in the region of £500,000 when finished, but for house prices up here, it just doesn’t make sense.  Plus Mick would be forever worrying it was going to collapse with guests in situ and, as he pointed out, it might be horrible behind all that stuff anyway.  So it will be swept out (must ring Calum the sweep next week…) and hidden behind plasterboard and be a little secret for someone else to uncover the next time someone decides to strip it back to bare walls in another 100 years’ time 🙂  And in the meantime we’ll lavish a bit of extra care and attention on the two perfectly nice fireplaces we’ve got at the other end of the house.

As you can see, Pete and Connor have been busy today, cutting out the kitchen floor and plastering up the wall ready for spraying with bitumen on Monday.  Under 4cm of concrete, they found some of the original flagstones set into the bare earth.

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And the deliveries have started!  A big Travis Perkins lorry came down the village this afternoon, dropping off a load of stuff for Pete and the replacement Velux windows – we’ve gone for the conservation-style ones with the bar down the middle, so they’ll look a little similar to the original roof lights.