Damp and Survey Report required

k3caz

All,


Just a small question, Mortgage offer given on condition of getting a damp and timber report, the quick 5 minute mortgage survey that they did said that property was worth 2k grand less than purchase price but upon fixes recommended would be fine. Couldn't see any recommendations of fixing.


So its a Victorian property that im buying, so i paid for a building survey which picked up a few things, but nothing major. But that recommended damp and timber report. As he stuck one of those yellow things in the walls and it turned red!!


So paid for PCA Report, he gave a few recommendations but nothing more, so sent this Mortgage company, they would not accept that and wanted a quote for the work, which was nearly 6K, which came from a company local to the surveyor



I don't want to do the work, im not going to have some chemical damp proof put in the property as it will stop the walls breathing.


What could the mortgage company do when they get this report??

G_M

They might withould £2K from your mortgage until the worl is done.


What with things like this, and demands for 'indemnity insurance' for things the local authority will never enforce, house-buying has become a minefield of stupidity!

k3caz

Think i can cope with 2 grand, my concern was they would want to withhold the 6K for the cost of the work

Doozergirl

They may not withold any of it, they may just ask that you do it within a certain timeframe and then not check.

I know you got a PCA report as they requested, but they're complicit in the perpetuation of this myth that chemical DPcs are necessary.

FreeBear

Doozergirl wrote: »

I know you got a PCA report as they requested, but they're complicit in the perpetuation of this myth that chemical DPcs are necessary.

Chances are, there is a thin row of slate acting as the DPC or some thick bitumastic paint was used. Alternatively, the DPC may be a course of heavy engineering bricks. Just because it is a Victorian era building does not mean it won't have a DPC. Most certainly any chemical treatments and expensive "waterproof" plaster will be damaging to the building in the long term.

Fixing the root cause of any damp is quite often a lot less expensive than most of these PCA recommended treatments. From there on, ventilation and heating will keep most damp issues under control.

k3caz

Exactly my thoughts, all houses have some Damp, moisture gets everywhere. Some of the work is re-pointing the chimney's which i had already factored in doing. Just don't like the idea of a Mortgage company telling me to do work on a house, which in my opinion and a lot of others i know is bad for the property