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    • turquoise_fairy
    • By turquoise_fairy 14th Jul 17, 1:04 PM
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    turquoise_fairy
    Remortgage Survey After Knockthrough Gap Between Beds 2 & 3
    • #1
    • 14th Jul 17, 1:04 PM
    Remortgage Survey After Knockthrough Gap Between Beds 2 & 3 14th Jul 17 at 1:04 PM
    Hi, first time poster here but lurker of many years.

    Last year we knocked through a gap of just over 6ft wide between our front and back bedrooms as the kids have left home and we use the front bedroom as an office now. The door to the hall from each bedroom has remained untouched and is not blocked off, we just only use one of them.

    We thought if we ever sold (which we don't intend to as we've invested a lot of time and energy on improving the gardens - building a wine cellar, ponds and other landscaping) that we would just fill the gap with a stud partition and redecorate.

    However as things stand there is a gap in the wall.

    My (massive, sleep-loss inducing) worry is that the mortgage surveyor will now class the property as two-bedroomed which will impact our ability to go through with the mortgage as the LTV will sky-rocket.

    Would inserting a set of double doors connecting the rooms suffice? Because we could do that very quickly and easily.
    Or don't we need to do anything?
    Or have we completely blown it survey wise?
Page 1
    • Thrugelmir
    • By Thrugelmir 14th Jul 17, 1:11 PM
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    Thrugelmir
    • #2
    • 14th Jul 17, 1:11 PM
    • #2
    • 14th Jul 17, 1:11 PM
    Easy enough to reinstate a partition wall. I wouldn't be concerned for valuation purposes. .
    “ “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.” Sir John Marks Templeton
    • turquoise_fairy
    • By turquoise_fairy 14th Jul 17, 1:17 PM
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    turquoise_fairy
    • #3
    • 14th Jul 17, 1:17 PM
    • #3
    • 14th Jul 17, 1:17 PM
    Thanks Thrugelmir. I don't know anyone here so may I ask if you're a surveyor or on what you're basing your advice?

    I like your signature btw.
    • Thrugelmir
    • By Thrugelmir 14th Jul 17, 4:52 PM
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    Thrugelmir
    • #4
    • 14th Jul 17, 4:52 PM
    • #4
    • 14th Jul 17, 4:52 PM
    No I'm not. Sometimes just look at matters pragmatically.

    Rather than just having a hole. If the change is permanent why not have a builder in and tidy it up properly.
    “ “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.” Sir John Marks Templeton
    • Tom99
    • By Tom99 14th Jul 17, 5:04 PM
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    Tom99
    • #5
    • 14th Jul 17, 5:04 PM
    • #5
    • 14th Jul 17, 5:04 PM
    I think the mortgage valuer might take the view that £1,000 worth of reinstatement is required and deduct £1,000 from the value they might otherwise have given.

    I don't think its a big deal and I would not add folding doors as that only makes your change seem more permanent.
    • turquoise_fairy
    • By turquoise_fairy 15th Jul 17, 6:46 AM
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    turquoise_fairy
    • #6
    • 15th Jul 17, 6:46 AM
    • #6
    • 15th Jul 17, 6:46 AM
    I think the mortgage valuer might take the view that £1,000 worth of reinstatement is required and deduct £1,000 from the value they might otherwise have given.

    I don't think its a big deal and I would not add folding doors as that only makes your change seem more permanent.
    Originally posted by Tom99
    Hi Tom99, that seems pretty sensible actually and gives me a good guide as to what to say to the surveyor, ie "If we were selling we'd insert a part partition wall to separate the rooms again. I realise that's going to bring down the value a bit considering there's maybe a grand's worth of work there..."

    Thanks for the advice.
    Last edited by turquoise_fairy; 15-07-2017 at 6:49 AM.
    • turquoise_fairy
    • By turquoise_fairy 15th Jul 17, 6:48 AM
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    turquoise_fairy
    • #7
    • 15th Jul 17, 6:48 AM
    • #7
    • 15th Jul 17, 6:48 AM
    If the change is permanent why not have a builder in and tidy it up properly.
    Originally posted by Thrugelmir
    Thanks for getting back to me again Thrugelmir. We want to keep the gap, we'd only block it back up if we were selling. So it seems like a drastic option to block it back up just for the survey, then a day later knock it all back down again (I remember the mess and dust from the first time we knocked through.)
    • AnotherJoe
    • By AnotherJoe 15th Jul 17, 10:29 AM
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    AnotherJoe
    • #8
    • 15th Jul 17, 10:29 AM
    • #8
    • 15th Jul 17, 10:29 AM
    Do you know the new lender will want a physical survey at that level,of detail ? Generally they will,do a drive by or not even that, just use the initial value plus house price inflation index for the area. So they most likely won't be aware what you've done anyway.
    • Thrugelmir
    • By Thrugelmir 15th Jul 17, 10:38 AM
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    Thrugelmir
    • #9
    • 15th Jul 17, 10:38 AM
    • #9
    • 15th Jul 17, 10:38 AM
    (I remember the mess and dust from the first time we knocked through.)
    Originally posted by turquoise_fairy
    Hopefullly not a supporting wall then.
    “ “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.” Sir John Marks Templeton
    • Keezing
    • By Keezing 15th Jul 17, 2:18 PM
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    Keezing
    When you submitted the remortgage application, how many bedrooms did you say the property has?
    • turquoise_fairy
    • By turquoise_fairy 15th Jul 17, 7:19 PM
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    turquoise_fairy
    Do you know the new lender will want a physical survey at that level,of detail ? Generally they will,do a drive by or not even that, just use the initial value plus house price inflation index for the area. So they most likely won't be aware what you've done anyway.
    Originally posted by AnotherJoe
    Well, when we remortgaged years ago, they sent a surveyor to have a quick look round. My mortgage broker thinks they will this time too. But as you say I've heard of many cases where the surveyor just sits in the car and checks the house is still standing and that's it!
    • turquoise_fairy
    • By turquoise_fairy 15th Jul 17, 7:20 PM
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    turquoise_fairy
    When you submitted the remortgage application, how many bedrooms did you say the property has?
    Originally posted by Keezing
    We said three, because technically, it is still three. Each room still has its own door through to the hall, ie you don't have to walk through one room to get to the other (although I don't know whether that actually matters or not!)
    • turquoise_fairy
    • By turquoise_fairy 15th Jul 17, 7:24 PM
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    turquoise_fairy
    Hopefullly not a supporting wall then.
    Originally posted by Thrugelmir
    Yeah, we did masses of research, made sure we knew what we were doing and put a lintel in, plus my husband's a very good builder. He's not professional but is often getting asked to build things for other people once they've seen what he's done with our house.

    Maybe not knocking through bedrooms just before remortgaging though.
    • Keezing
    • By Keezing 15th Jul 17, 8:56 PM
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    Keezing
    Yeah, we did masses of research, made sure we knew what we were doing and put a lintel in, plus my husband's a very good builder. He's not professional but is often getting asked to build things for other people once they've seen what he's done with our house.

    Maybe not knocking through bedrooms just before remortgaging though.
    Originally posted by turquoise_fairy
    If there was a need to put a lintel in, it probably needs to be signed off by building control. Probably not a problem until you come to sell, or until the roof collapses ;-)
    • Keezing
    • By Keezing 15th Jul 17, 9:00 PM
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    Keezing
    We said three, because technically, it is still three. Each room still has its own door through to the hall, ie you don't have to walk through one room to get to the other (although I don't know whether that actually matters or not!)
    Originally posted by turquoise_fairy
    I have 2 doors going into my master bedroom. I'm pretty sure it's still 1 room. I could be wrong though!
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