Remortgage without FENSA certificate

Swa4ever

Help!

We bought our house in March 2014. We had some work done - which included moving the boiler (company 1), adding extra electrics (company 2) , replacing the kitchen window with patio doors and replacing 1 bedroom window (both done by company 3).

We are in the process of remortgaging and have been asked for certificates for work done.

We have certificates for the boiler and electrical work but nothing for the window/doors.

I am now in complete panic and would be grateful for advice on what we can do.

I have checked online with our local council and can see things on the building control register for the work we have certificates for.

I appreciate that we should have sorted this out at the time of the work but I failed to do that because I didn't realise I didn't have it and didn't blinking check.

I know we can apply for "regularisation" now but that will take time.

My question is - will this affect our ability to remortgage? In case relevant LTV is <50%.

I realise I was foolish and should have sorted this at the time, so please tell me something other than that. To prove how foolish I am - I thought the Checkatrade review stuff was the certification because I didn't blinking read it.

davidmcn

Just tell them you don't have certificates. Are they specifically asking knowing what work you had done or is it a general request? I'm surprised any (normal) lender would care for a remortgage, it's usually purchases where people get more fussy. You can get indemnity insurance if necessary, pointless extra expense but I wouldn't panic about it.

Hoploz

Have you checked the Fensa register? It might have been issued but either lost or never made it to you at all. You can get copies if one was issued.
http://www.fensa.co.uk/asp/certificate.asp

Have you already told them you've done the windows? If not then don't mention them

Swa4ever

We have already told them about the work (because I thought we did have certificates for everything).

It isn't on the FENSA register or council building controls.

I am hoping it is just a standard form that they use for everyone and that it doesn't really matter for a remortgage.

Still in panic mode though

Swa4ever

davidmcn wrote: »

it's usually purchases where people get more fussy.

Goodness I hope you are right

G_M

Who installed the windows?

Wee they FENSA (or CERTASS) registered?

Have you been back and spoken to them?

Doozergirl

A Fensa certificate takes ages to come through. I think even if your firm are registered, you will have a good wait on your hands.

I would speak to building control and seek approval for the work. They can often turn around in a week if you ask nicely. If this is so recent, I'd wouldn't ask for 'regularisation', I would go straight for approval.

A private firm will cost more than the local authority but they could be less firm with you and fast.

Richard_Webster

Do not contact the Council but by all means chase FENSA to see if a certificate will issue.

Do not tell your mortgage lender - the people in the offices won't understand the point and will make too much fuss about it. Tell the solicitor who deals with the remortgage if he asks. (He acts for the elnder but will understand this kind of point better than those in lender offices who are not lawyers). If the work is more than a year old then he should easily be able to obtain a building regulation indemnity policy which should satisfy your lender.