Cruden Rural House

superbigal36

I am thinking of buying an end terraced fully modernised House (Reclad/new Roof Tiles etc) which is classed as a Cruden Rural (Non-Traditional Steeel Frame, Concrete Wall). It also has a huge extension which the walls were built traditionally. I believe its a tin Roof.
Anyone any experience of this housetype and lenders thoughts ?
Seems to be a lot of them up here in Scotland.

seven-day-weekend

If it is a particular type of steel frame/concrete house (sorry, can't remember wghich), then lenders will not lend on them because they are prone to concrete fatigue.

My husband inherited a similar type of property from his mother, we were able to sell it but the buyer had to pay cash. As far as we were aware, there was nothing wrong with it, but it was still unmortgageable.

If your house is of this type, maybe it would be good to make some enquiries from the Council (if it's ex local-authority) and/or informally from lenders.

superbigal36

Seems to be a BRE report number BR139 which is available but very important.
Anyone help ?

seven-day-weekend

Don't know whether this link will help.

One thing it says is that these houses were only built in Scotland, so it is not the same type as the one my husband inherited.


http://products.ihs.com/cis/Doc.aspx?AuthCode=&DocNum=83811

superbigal36

Thanks This is the document I had Mentioned.
Just had London & Country on the phone who I had given the job of researching Mortgages.
They actually came up with the same deal I had found via Woolwich.
Woolwich were non-commital to me when I had phoned them. They wanted structural surveys etc.
However to London & Country they have said absolutely fine subject to their Surveyor Valuation.
Strange World eh.

seven-day-weekend

Well done, enjoy your new home!

rw711

I picked up on this thread as was researching myself though realise the OP was some time ago:

superbigal36 wrote: »

Thanks This is the document I had Mentioned.
Just had London & Country on the phone who I had given the job of researching Mortgages.
They actually came up with the same deal I had found via Woolwich.
Woolwich were non-commital to me when I had phoned them. They wanted structural surveys etc.
However to London & Country they have said absolutely fine subject to their Surveyor Valuation.
Strange World eh.

- Successfully purchased a house of this type in Campbeltown, Argyll, with a mortgage,

With this type of property it is important to check construction, the reluctance as already mentioned generally tends to be due to concrete panels where unseen reinforcement could fail, not the steel frame which is relativley visible/easy to test.

Some of these houses were originally brick panelled, and others have been changed from concrete to brick in refurbishment programmes in the 1980's - or when thermal insulation added. So it is worth researching on a house by house basis as not all are the same!