Hello, we're just heading into the last stages who am I kidding of converting two flats into one house.
Off the top of my head - yes the utility changes were awful, took up far too much of my time and cost a fortune too.
Having said that, listed building permission wasn't a barrel of laughs either. And it took time, much longer than I thought. Have you been round with someone from the listings department (or the Scottish equivalent, not sure how different it is)? It's really good to do that early, on, then you can get a feel for what they will and won't go for. You also get a personal relationship with them, which does help.
Then you have to get all the drawings done. We have had to submit drawings not just where we were knocking down walls but of everything, right down to the disgusting 1980s skirting boards we wanted to take out.
Then you wait.
Then - and this is the bit that surprised me - you might get some conditions on your permission. Ours meant that we had to submit drawings of every door, every window and a sample of the outside wall finish.
Then you wait for these to be approved.
Then you start work, several months later than you thought.
But it's not impossible to live in one flat, we've done it for an entire year now. For us, the top flat was quite serviceable, so we got the electrics and plumbing done there quickly, then moved in and kept the door to downstairs shut as far as possible and put up with the manky kitchen. Then downstairs was done over the next year - we're moving into the downstairs kitchen this week, over a year after we moved upstairs and 18 months after we bought the whole thing.
We have one boiler, but then we put in the central heating from scratch as there were only storage heaters.
Insurance wasn't too bad - try asking your solicitor as they deal with insuring empty/difficult houses during probate quite a lot. We found a specialist broker called green insurance, and it was not insanely expensive.