Will this type of use on the plannig for the property stop me getting a mortgage?

YorkshireJames

Hi

I've got good credit, great deposit and the property is not over priced.

I'm looking to get a mortgage for a property with use as: 'living accommodation with drop in centre', but I would just be using it for living accomodation.

Will this make it more difficult to get a mortgage?

I don't want to pay valuation fees and then find out they won't give me a mortgage!

Any help would be great. Thanks!

Thrugelmir

Hi,

Could you expand on this please. With some further details.

'living accommodation with drop in centre'

YorkshireJames

Well a few years ago it was a house with a youth drop in centre, then it was a house with offices. But it's official use is living accomodation with drop in centre.

YorkshireJames

Does that help? I'd rather not risk the £200 on fees if there's a way not to. I've heard from a mortgage broker that most banks avoid anything out of the ordinary these days?

Thrugelmir

Is the layout of the property conform to what could be described as a residential unit. Or was it purpose built ?

YorkshireJames

Thanks.

It was an end terrace house.

Edit: and still is, it's just got more windows and an extra outside door.

Thrugelmir

In basic outline should not be an issue. Speak to your perspective lender first if in doubt.

YorkshireJames

Thanks.