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No NHBC certificate or Architect Cert. Can i get a mortgage?
nonoz
Posts: 75 Forumite
If any one can help me i would be very grateful. I have moved into my self build house and was wondering if i can get a mortgage without a NHBC certificate or Architect Cert.
Quite new to all of this so any advice would be fantastic.
Quite new to all of this so any advice would be fantastic.
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Comments
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Probably not, I would talk to a solicitor. I am not sure if you can indemnify against this?"Banking establishments are more dangerous than standing armies." Thomas Jefferson
"How can I believe in God when just last week I got my tongue caught in the roller of an electric typewriter?" Woody Allen
Debt Apr 2010 £00 -
A client once sorted an indemnity to get around this which from memory cost about £300.0
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If you instructed an engineer to obtain an engineers report this should sufice, but check with lender firstI am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice0 -
Thank you for all of your comments, very helpful. We just needed to clarify before we go down the route of actually applying for a mortgage and then being turned down.
We have two options for our house - 1- attempt to get a mortgage or 2 -pay back the builder monthly in instalments (which is actually my father in law so is a possibility).0 -
Can you also look into an Insurance backed guarantee, such as Zurich or similar? They are normally acceptable to mortgage lenders.0
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Nope - I have just finished building looked to remortgage - NHBC or Architect cert was requested by every lender, the broker did the asking.0
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Why can you not get a nhbc cert0
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