Meeting building regs

Furts

MisterBaxter wrote: »

We only have what the OP has said to go on but based on the communications they say they have had with the lender/surveyor it does appear to be some sort of internal policy that they decline to lend on a 'single leaf wall'. If the surveyor had found some sort of actual, definitive defect it would be normal for them to state it, they would have no reason to withhold such information. Nothing the OP has said indicates that they have been informed of an actual defect. A single skin wall is not in and of itself a defect. I'm sure the surveyor is perfectly correct in his/her assessment of the construction but it is more of a comment on what's there than what condition it's in; factually correct but hardly useful.

It feels like the lender is using a reason to decline the loan that the OP simply can't argue with and that they know is almost certainly too impractical to warrant addressing.

Does the lender have some sort of appeals process that would either rethink the decision, allow a sensible decision based practical solution or at least properly explain what it wrong with the property rather than just a carte-blanche, it single skin so no loan. I take it they have this 'rule' written down somewhere and have been able to show you that it is a standing policy.

I take your point but here we are slightly at odds. My point is the wall may be unsatisfactory. Equally OP does not know the details, so in the absence of this would have to give the benefit of doubt to the surveyor. In essence OP has no technical data to challenge the surveyor, hence the professional judgement is valid.

It may not be a simple case of a blanket policy not to advance a loan against single skin party walls. It could be a specific case where the party wall and those of the similar properties nearby are indeed sub standard. It could be that the surveyor is the first person to express concerns on this.

There are vast numbers of dodgy homes built in the UK. The home that OP would like to buy may be one of these.

DRP

halesowenmum wrote: »

That's what I'm doing - trying to go elsewhere but the issue is I only went Ltd Co in May and don't have 2 yrs accounts so I'm getting previous income evidence together to see if I can build a case of being able to afford (I am able) and see if I can get a more reasonable lender.

When I highlighted that the first survey mentioned nothing of this issue and it was one of their own surveyors, they refuse to discuss it but mentioned 'it could be that in the intervening 2 yrs the lending criteria have changed'. So I said ok, show me the evidence of that. Their response?: 'It is an internal document and we can't show it to you'.

This is Virgin Money we're talking about. Be great if you can find something as I can't. I deeply resent is two things. Firstly being treated like a mushroom with blanket refusal from them to be open and transparent and discuss/explain any points in any detail at all with me, their customer, and then to be required to do a load of work for which I can't see any genuine reason.

To be honest it sounds like they're using this 'internal criteria' as a way to discourage you - perhaps as they are concerned about the ltd co accounts side of things.