Non-standard construction

Davesnave

hazyjo wrote: »

Has the approval been applied for? If yes, you won't be able to use indemnity insurance. It'll be one or the other.

It's as hazyjo says, you can't get insurance against council enforcement after alerting the council!

LMCLMC

No, they haven't even attempted to apply for it. Probably doesn't matter anyway now, as just had a phone call from broker. We've been declined.

CarbonImage

Sorry to hear you've been declined, LMCLMC. It does sound that the house was starting to provide more and more stress for you.

For anyone else reading this thread, I think the takeaways are:

- NSC CAN be fine and CAN be simple to mortgage, but it depends hugely on the type and many other factors.
- Prepare for slightly more work/thought/research when buying NSC

FWIW, my house is a Laing-Easi poured concrete construction. It was not mentioned anywhere during the buying process but I knew from the area and looking at another similar property that was Laing-Easi. There are quite a few in my area and RBS didn't even think twice about giving us a mortgage. I did my research and was happy to buy it as I would've only been able to afford a leasehold flat in the same area if I limited myself to standard construction.

Good luck on your buying journey LMCLMC, I hope you manage to get a mortgage or find another affordable property.

Smodlet

Great post from CarbonImage; the devil really is in the details when it comes to all house buying, I think, but never more so than with NSC properties.

Hang in there, LMCLMC; the right house will come along. It really is a matter of faith, imho; kinda like falling in love (in any other way)

Smodlet

Any news, LMCLMC?

gld73

Smodlet wrote: »

Great post from CarbonImage; the devil really is in the details when it comes to all house buying, I think, but never more so than with NSC properties.

Absolutely. I have a house which is considered NSC by some lenders (it's Wimpey No Fines concrete), but most lend on them okay. Most of the houses on this estate are NSC and the steel framed ones are usually for cash buyers only, but the WNF ones are mortgageable and sell no problem.

pinkcowprint

Hi..we hsve inherited an airey house but have no certificate yet to enable us to get the mortgage on it , we need structural work done to it...who has been recommended to you to use as to get a mortgage? We are getting nowhere with the wjole situation!

Smodlet

pinkcowprint wrote: »

Hi..we hsve inherited an airey house but have no certificate yet to enable us to get the mortgage on it , we need structural work done to it...who has been recommended to you to use as to get a mortgage? We are getting nowhere with the wjole situation!

Why do you need a mortgage for a house you have "inherited"?

LMCLMC

Hi guys, updates for everyone!

We are completing on the original house on Friday after almost 7 months of hell. There have been more obstacles but we have come through them. We exchanged last week so all legal now. So happy!

EDIT: just wanted to make @smodlet aware of this post in case he(?) hasn't seen it / has unsubscribed. You were very helpful and understanding at the beginning and just wanted to say thanks.