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What is meant by 'functioning' kitchen/bathroom?
Lionel_Thinkbag
Posts: 217 Forumite
One of the things that seems to make most mortgage lenders run a mile is if there is no kitchen or bathroom in a property, but I'm unsure about what they mean by functioning/liveable?
Bathrooms I presume to mean having a plumbed in toilet and running water.
What about kitchens? Running water is a given, but I see many non-fixer upper properties where the seller has taken the oven. Would a mortgage lender really be bothered about this as presumably a buyer is going to get their own oven?
I suppose what I'm confused about is where is the line between liveable/unliveable?
Bathrooms I presume to mean having a plumbed in toilet and running water.
What about kitchens? Running water is a given, but I see many non-fixer upper properties where the seller has taken the oven. Would a mortgage lender really be bothered about this as presumably a buyer is going to get their own oven?
I suppose what I'm confused about is where is the line between liveable/unliveable?
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A couple of years ago I refurbished a property for a customer. The remortgage was held back until there was evidence of a functioning kitchen which the surveyor defined as a plumbed sink and 'evidence of fuel or oohing' which he clarified as an electrical or gas supply. However the electrical supply didn't need to be for a stand alone electric cooker. It just needed to be a 13amp socket.Eat vegetables and fear no creditors, rather than eat duck and hide.0
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Thanks, that makes things a bit clearer.....except for 'oohing' - not heard that term in reference to houses before! :rotfl:0
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It is the opposite of 'aahing'.Lionel_Thinkbag wrote: »Thanks, that makes things a bit clearer.....except for 'oohing' - not heard that term in reference to houses before! :rotfl:0 -
I meant cooking. It's this autocorrect on the iPad.Eat vegetables and fear no creditors, rather than eat duck and hide.0
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Oh lol, and theres me thinking i'd learned a new phrase. Could have been embarassing if i'd asked an EA "what provision is there for oohing?"
Yeah, touch screens and auto correct are fiddly. Bring back buttons I say!0 -
Lots of properties are sold without ovens - they're not all fitted! Never made any difference to mortgages as far as I know.
Jx2024 wins: *must start comping again!*0
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