What are the chances of posting my mortgage to a property with an annexe?

loveka

We are looking at houses which have a small holiday let attached. So one has a barn in the garden, 2 have a self contained studio attached to the house. One of the houses pays 2 sets of council tax. All of them have their own kitchen.

I have read such conflicting views on whether it's possible to get a mortgage on this type of house.

We would have to port our mortgage (Santander) as we are on a fixed rate and have a 6k early repayment fee.

Is this workable? Thanks. Title should say porting!

ACG

You would need to speak to Santander and/or their surveyors. Some surveyors will allow you to send the rightmove link and they will say yes or not before wasting any time/money.

Most lendes would say no I suspect, but there appears to be nothing on the santander site to say otherwise.

Owain_Moneysaver

You may be able to port your mortgage to the main house, but have to pay cash or get a buy to let mortgage on the annexe accommodation.

If part of the house you are buying is a separate dwelling be aware of stamp duty and capital gains tax implications too.