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Timber framed survey worries
OliverDavenport
Posts: 4 Newbie
We have just had our homebuyer's report back on a three-bedroom link detached house and are now concerned about going ahead with the purchase.
We knew it was a timber frame 1970s house before we put the offer in and when we looked around online that didn't appear to be a problem.
The house is on a small estate and houses there seem to be changing hands fairly frequently.
But the survey is saying the timber frame structure with a single masonry skin at the front and rear could mean lenders in the future may not lend and could therefore affect the future value of the house:
The property however, has single skin front and rear wall elevations. Such construction is not universally acceptable to all major lending institutions and this will affect future saleability. If more lenders change their policy in regards to this type of construction then it may also become more difficult to obtain mortgages in the future and this will ultimately affect value.
The report also says there are some gaps in the cladding:
There are some gaps in the cladding and in this type of construction it is imperative to ensure a watertight finish at the junction of all wall reveals and wall cladding to prevent damp ingress entering the timber frame structure. Damp ingress can lead to timber deterioration and structural failure.
And on the roof:
the bedding mortar under the verge tiles has cracked in places.
We really like this house and have already sold ours so we are keen for it all to go ahead.
I'm trying to speak to the surveyor to get a better idea of whether these are things he has to flag up to cover his back, or if they are real concerns that should make us think again about whether to go ahead with the purchase.
If anyone knows anything about timber frame single skin properties or has been ina similar situation I'd be really grateful for any advice!
Thank you
We knew it was a timber frame 1970s house before we put the offer in and when we looked around online that didn't appear to be a problem.
The house is on a small estate and houses there seem to be changing hands fairly frequently.
But the survey is saying the timber frame structure with a single masonry skin at the front and rear could mean lenders in the future may not lend and could therefore affect the future value of the house:
The property however, has single skin front and rear wall elevations. Such construction is not universally acceptable to all major lending institutions and this will affect future saleability. If more lenders change their policy in regards to this type of construction then it may also become more difficult to obtain mortgages in the future and this will ultimately affect value.
The report also says there are some gaps in the cladding:
There are some gaps in the cladding and in this type of construction it is imperative to ensure a watertight finish at the junction of all wall reveals and wall cladding to prevent damp ingress entering the timber frame structure. Damp ingress can lead to timber deterioration and structural failure.
And on the roof:
the bedding mortar under the verge tiles has cracked in places.
We really like this house and have already sold ours so we are keen for it all to go ahead.
I'm trying to speak to the surveyor to get a better idea of whether these are things he has to flag up to cover his back, or if they are real concerns that should make us think again about whether to go ahead with the purchase.
If anyone knows anything about timber frame single skin properties or has been ina similar situation I'd be really grateful for any advice!
Thank you
0
Comments
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The surveyor is just pointing out that the house is what lenders believe is 'non standard construction' and so lenders can be a bit fussy about lending on them (timber frame, Concrete and steel frame houses all fall in non standard construction and it can be slightly more difficult to get a mortgage but not impossible and there are plenty of such properties around). There is nothing wrong with timber framed houses (alot of houses now are being built as Timber frame) and they can offer some benefits as opposed to block and brick builds as long as they have been properly maintained and not had cavity wall insulation put in).
Cladding: I am assuming the gaps are possible pointing issues in the brickwork this can be remedied. I would assume if there was severe water ingress you could know about this through damp readings internally
Bedding mortar will shrink/expand and crack due to weathering this can happen in any property, newer houses will have a dry verge system to prevent this - again I don't think this is a problem and you can just repoint it
Unless the surveyor has stated DO NOT BUY I don't see there being a massive problem but if I were you I would definitely speak to him to clarify the points raised in his report, sometimes surveyors go slightly over the top to cover their backs and recommend more invasive surveys to double check the structural integrity of the property especially those of non-standard construction.
Good luck0
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