MORTGAGE FOR SINGLE SKIN

[ineedhelpplease]

Hello you nice lemons.

Does anyone know a lender who will grant a mortgage on a house that has had an extension (about 20% of total house size) that is constructed "Single Skin" i.e. no cavity wall.

Many thanks in advance for any replies .. most appreciated.

[staffordian]

I suspect there is no simple answer to this, it would depend on several factors, not least the location of the property relative to potential lenders.

I would consider approaching a mortgage broker who should have a pretty good knowledge of lenders prepared to lend on non standard construction properties in your area.

Staffordian

[88V8]

The majority of pre-war houses had solid walls. No cavity.

The term 'single-skin' means a wall half a brick thick. Not uncommon in old houses, but some surveyors do make a fuss, and it has long been an issue for some lenders
http://www.periodproperty.co.uk/forum/v ... ge#p178069

Look for one less fussy.

V8

[bungeejumper]

Somehow the OP's post (describing the extension as 'an extension') suggests to me that the work wasn't pre-war but was done in recent decades. If I'm wrong, forget it. But if I'm right, the single brick extension may prove to be the least of the buyer's problems.

A mortgage lender would want to see the Building Regs sign-off certificate for any work done since 1984 (I think). So would (or at least, should!) the solicitor. But the devil's in the detail - there are exemptions. It may be kosher, or it may not. If it isn't, the mortgage co may withhold funds until the work has been rectified. A neighbour had this with a loft extension that had to be ripped out and done properly before they'd lend the money.

Good luck

BJ

[tony9i9i9i]

Years ago my friends parents had this issue when trying to remortgage, they had a builder build a second skin inside the property and could then remortgage.

Could that be an option?

Tony.