Mortgage requirements

Skorpion

Hi All

Id like some advise please.

I know a bathroom and kitchen is required for a residential mortgage but exactly what does this mean?

Also does it need to have central heating or is gas fire in each room adequate?

Thrugelmir

The property needs to be habitable. So a working kitchen and bathroom are basic requirements. Along with the ability of the occupants to stay warm.

Skorpion

Thrugelmir wrote: »

The property needs to be habitable. So a working kitchen and bathroom are basic requirements. Along with the ability of the occupants to stay warm.

So all it needs is runnig water, hot and cold, a working cooker and gas fire, with a sink in each kitchen and bathroom, and its deemed as habitable?

Would a stand up shower cubicle be acceptable in stad of a bath tub?

ACG

Rather than us tell you what is needed as there is not an exhaustive list - it comes down to surveyors discretion, why not tell us what you think might be an issue?

I bought my house and it had no central heating it had 2 storage heaters and an electric fire in the living room - as far as im concerned thats not habitable when it comes to winter so i had gch installed - but a surveyor found it acceptable. So you do not need central heating. A bathroom, kitchen and hot water are required. But you have seen the bathroom it might be a bathroom by name but if you would not use it for fear of picking up hepatitis for example then its probably not going to pass a surveyors inspection.

Skorpion

ACG wrote: »

Rather than us tell you what is needed as there is not an exhaustive list - it comes down to surveyors discretion, why not tell us what you think might be an issue?

I bought my house and it had no central heating it had 2 storage heaters and an electric fire in the living room - as far as im concerned thats not habitable when it comes to winter so i had gch installed - but a surveyor found it acceptable. So you do not need central heating. A bathroom, kitchen and hot water are required. But you have seen the bathroom it might be a bathroom by name but if you would not use it for fear of picking up hepatitis for example then its probably not going to pass a surveyors inspection.

Fair point

I have seen a property for sale privately on the same road as my parents live. It has 3 bedrooms upstairs, and downstair is a shower cubicle, a kitchen sink which doubles up as a bathroom sink (Gross) and a gas cooker all within a small space.

The vendor has given me the keys to get it into a hbitable state i.e bathroom and kitchen so i can get a mortgage on it. We have known the vendor for over 25 years but i still insisted that any money i spend will be returned to me should a mortgage not go through on it, via a signed contract agreement.

Ive had estimates from my builder who thinks he can get it into a basic habitable state for around 2k.

What i need to know is what the bank defines as habitable? Does the bathroom and kitchen need to be seperated by a wall etc.

Im also looking to get a surveyor in at my expense to see what their feedback is before going ahead with any work.

ACG

There neds to be 2 doors between the kitchen and bathroom - building regulations stipulate that.

A shower instead of a bath is fine.

I think you should get the surveyor in, see what they suggest really.

Skorpion

ACG wrote: »

There neds to be 2 doors between the kitchen and bathroom - building regulations stipulate that.

A shower instead of a bath is fine.

I think you should get the surveyor in, see what they suggest really.

Does the space between the 2 doors matter? Can I have a square 2meter square area, with the bathroom door on 1 axis and then the kitchen door on the adjacent axis like _i <-- thats the angle both doors would be on, which means there would technically be 2 doors with a space between them.

ACG

Thanks for the text diagrams lol. No idea, what they mean though - they look like something my old maths teacher used to draw.... i had no idea what they meant in that scenario either.

To be honest, im just a broker i have renovated a few properties i dont really know the rules to any great degree, i just had a goo builder who was knowledgeable and went on his advice/recommendations.

Skorpion

So is there any surveyors on here who can actually advise me on what exactly they look for when a bank requests a residential mortgage survey?

kingstreet

No. HBR&S would be a better bet for that.

ACG

kingstreet wrote: »

No. HBR&S would be a better bet for that.

Whats HBR&S?