Any lender does not require the EWS1 Form?

bncoxuk

Hi everyone, my husband and I have found an apartment in Manchester that we decided to go ahead to buy. We have started the transaction process since one month ago. But suddenly the bank could not give us the mortgage, because we cannot supply the EWS1 form. This form has caused a lot of trouble to many apartment buyers.
Does anyone know any lender that does not require the EWS1 form? This will be really helpful for us to find some hope.

bncoxuk

thaddy said:

How tall is the building and which lender did you go with? Had they done a physical survey before making a decision? We are purchasing the flat we currently live in, it's a two storey building under 18m and had our mortgage offer through yesterday from Nationwide. 

The building has 8 stories. So above 18m.

MovingForwards

bncoxuk said:

thaddy said:

How tall is the building and which lender did you go with? Had they done a physical survey before making a decision? We are purchasing the flat we currently live in, it's a two storey building under 18m and had our mortgage offer through yesterday from Nationwide. 

The building has 8 stories. So above 18m.

Find another property.

[Deleted User]

bncoxuk said:

thaddy said:

How tall is the building and which lender did you go with? Had they done a physical survey before making a decision? We are purchasing the flat we currently live in, it's a two storey building under 18m and had our mortgage offer through yesterday from Nationwide. 

The building has 8 stories. So above 18m.

Above 18m with any cladding will require ews1 every time.   Don't waste your time 

davidmcn

bncoxuk said:

thaddy said:

How tall is the building and which lender did you go with? Had they done a physical survey before making a decision? We are purchasing the flat we currently live in, it's a two storey building under 18m and had our mortgage offer through yesterday from Nationwide. 

The building has 8 stories. So above 18m.

I can't see any lender not bothering to ask further questions about it. Given how much hassle this sort of building is, do you really want to buy something like it at the moment?

bncoxuk

I may have to totally give up. The EWS1 form has affected so many people who want to buy or sell apartments. As I understand, the government is now urgently reviewing the controversial EWS1 form which brings apartment transactions into a deadlock.

[Deleted User]

Unless they say to the whole industry that they will fully guarantee any losses on the building from fire then I can't see much changing anytime soon.   It took years for the form to be introduced. It will take time for it to be removed as well

davidmcn

Deleted_User said:

Unless they say to the whole industry that they will fully guarantee any losses on the building from fire then I can't see much changing anytime soon.

Even that wouldn't help all that much - it's more about the potential costs of replacing cladding and/or putting other fire protection measures in place.

Lorenzo94

Halifax requested it for a building made of bricks. Lenders are abusing this form for a wider scope than what was intended for.

10shinhan

In my experience, lenders don't care if it's under 18m, Mine is under 18m and sales are still falling through because they are requesting EWS1 forms that haven't been sorted yet.
Seems to be blanket across all properties?

annetheman

Yepp, doesn't matter how tall your building is or whether it has cladding - brick construction, compliant cavity, fire breaks, sprinklers, alarm system, completed in 2020, under 18m - my flat should not be in scope but it is.

It's a huge issue that the government are trying to fix with the disastrous, leaseholder-bankrupting Building Safety Bill. It could actually become much worse than the also calamitous EWS1 process - obviously the legislation will override the industry-created form. I just hope it isn't as bad as I'm guessing it could be.

If you really want this place, keep checking for news from the Ministry of Housing and Local Government select committee's Bill scrutiny in Autumn - it will have repercussions for us all.