Mortgage and habitable conditions

cantgoonhols

Hi

My husband and I have fallen in love with a house that needs some work. In the kitchen there is only a sink unit, no cooker and no food preparation area. The is gas and electric bath and toilet and an electric fire. I am worried that the mortgage provider won't lend. I did think I could buy a cooker and a freestanding work unit before the valuer goes round. Has anyone had any experience of this?

We don't really want to go through all the process of the mortgage application and instructing a solicitor if we won't get the mortgage

HappyMJ

cantgoonhols wrote: »

Hi

My husband and I have fallen in love with a house that needs some work. In the kitchen there is only a sink unit, no cooker and no food preparation area. The is gas and electric bath and toilet and an electric fire. I am worried that the mortgage provider won't lend. I did think I could buy a cooker and a freestanding work unit before the valuer goes round. Has anyone had any experience of this?

We don't really want to go through all the process of the mortgage application and instructing a solicitor if we won't get the mortgage

A cooker is not required. Many houses do not come with a cooker and you buy your own and bring it with you after you move in. A microwave can be considered cooking facilities. You do not need any kitchen cabinets or worktops. Some houses (much older) don't come with them and you bring your own standalone units.

All you need for it to be habitable is something to go to the toilet on whether that's a toilet indoors or out the back and something to wash your hands with. That's it.

You do not need any form of heating. As long as it's got an electrical socket you can bring an electric heater with you.

cantgoonhols

It was a valuer that told me that.

cantgoonhols

I have an autism spectrum disorder and details matter, this isn't going to be good. Why can't everything just be standard, everything is always complicated

-taff

Ours only had a sink and a cupboard, the mortgage company were happy to lend.

kingstreet

Usually a kitchen sink and single worktop will be viewed as acceptable in determining whether the kitchen in a property is "mortgageable."

[Deleted User]

My 20 year old has ASD. It sounds like this property isn't for you. You have been told the basics that have to be in a house for it to be mortageable.., thats it.

If you want a standard purchase.., I'm afraid you'll have to go for a standard property, but a higher price or a different area.

Its only complicated if you decide to go for a property like this (not being rude), and its not as complicated as perhaps you are feeling it is.

cantgoonhols

i do not like unpredictability so I like to be appraised of the details and I go into too much detail. I was extremely stressed on that day. Home buying is stressful to Neurotypicals so if you have a child that has ASD you will appreciate we deal with things differently, if you don't then I feel sorry for your 20 year old (not being rude).

And they say we don't have empathy

marliepanda

cantgoonhols wrote: »

i do not like unpredictability so I like to be appraised of the details and I go into too much detail. I was extremely stressed on that day. Home buying is stressful to Neurotypicals so if you have a child that has ASD you will appreciate we deal with things differently, if you don't then I feel sorry for your 20 year old (not being rude).

And they say we don't have empathy

Pretty rude! You seem very aware of your needs and limitations.

You've fallen in love with a house you can't cope with. (Not being rude)

AdrianC

It really doesn't sound as if the mortgagability is the biggest issue for you - are you, perhaps, trying to use it as an excuse to persuade your husband to walk away? TBH, I can't see any unpredictability, either.

The valuer will go round before you buy - obviously - so you'd be putting an unnecessary cooker and cupboard into somebody else's house for no particular reason.

If you want the place, then get the kitchen fitment lined up for soon after completion - you'll have the kitchen you want.

dancingfairy

Unfortunately house buying is stressful. It sounds like people's experiences are that you should be fine ( but I can understand you're worried).
I guess until you've got the approval you won't know for sure. I hope it all works out for you.
Df