Help - 2nd kitchen = no mortgage

Smileyhippo

It's okay saying just rip the kitchen out - its not our house and the seller might not want to take the risk! I don't think I'd be keen if our vendors asked us to do major work like that - we have also been rod that we have to rip everything out - cupboards, sink, plumbing, fridge, cooker and spur points etc. I asked a reasonable question about keeping the cupboards for storage (as in a hobby room) but have been told this would probably still be turned down.

I completely understand that it is a possibility that the house could be part rented out, but you could say that about any house! If it was made a condition of the mortgage then we would have to comply! I'm going round in circles now, but as other posts have stated, common sense does not prevail with lenders!

jennifernil

Sounds like madness!

Nobody will ever get a loan on our house then, not only do we have the granny flat, we have a "hobby room" full of cupboards and worktops, and a dark room with a sink.

Smileyhippo

Hi All,

Thanks for all the posts. I'm pleased to say that the 2nd kitchen has now been removed and we're now awaiting the second valuation! Fingers crossed.

jgh

Owain_Moneysaver wrote: »

But I think the sticking point is that it is currently part-tenanted and the mortgagor is cautious about it being part-tenanted in the future.

That's ridicoulus. That's an income you can use to pay the mortgage! It more-or-less guraantees the mortgage will be paid. I specifically bought the house I'm in now because I could let half of it out and use the income to help pay the mortgage. I'm looking to move now, and I'm specifially looking for a similar property - there is absolutely no way I can afford to stay alive, let alone own a house, if I can't generate an income from it.