Mortgage on a borderline habitable house

Lifes_Grand_Plan

Owain_Moneysaver wrote: »

Because it's change of use, you have to meet current building regulations. Until you get that signed off by building control the building is still an office and not a habitable dwelling. This is different from a house which is uninhabitable due to dereliction, where there is no change of use and where lender's discretionary requirements apply.

You will require:
- fixed sink with hot and cold running water (an over-sink electric water heater is acceptable)
- cupboard and worktop
- space and connection point for a gas or electric cooker
- space and socket for a fridge
- fixed bath or shower with means of heating water (electric shower acceptable)
- fixed toilet
- fixed hand wash basin (with h & c as kitchen)

You may also require extractor fans in the bathroom / toilet / kitchen.

The building already has change of use permission back to a house. Does that change things?

Lifes_Grand_Plan

engineer_amy wrote: »

someone on another post advised they had experience of something similar. The lender would only offer a mortgage once the surveyor had evidence that the kitchen contained a sink and a plug socket 'that a cooker could be plugged into'. that was their only requirement. I don't think he mentioned the lender.

Hi Engineer Amy, thanks for this info. I have searched with a few terms that you mentioned but no luck finding the thread. Can you possibly remember any more details please?

Thanks

Owain_Moneysaver

Lifes_Grand_Plan wrote: »

The building already has change of use permission back to a house. Does that change things?

No, it has planning permission for change of use.

It does not have building control certificate for the creation of a new dwelling in a former commercial premises, so it isn't legally habitable as a dwelling.