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Habitable kitchen
samaitkin
Posts: 1 Newbie
I am currently in the process of buying a property that previously had its kitchen ripped out. We have talked to the seller and he has allowed us to put in a sink, worktop and two kitchen units. I am wondering if this would be enough to satisfy the lender in terms of a habitable kitchen? It is Halifax we are looking at borrowing from. Thanks
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Comments
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You'll need to speak with them because different products have different criteria.
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What do you mean by "kitchen units"? Cupboards? Not really necessary. A shelf would be adequate.
You didn't mention a cooker.0 -
A sink that works and one cupboard was enough for one provider.
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I am not a mortgage lender, but to me habitable would need water, drainage and electricity (to plug in a cooker). The rest - work table, cooker, could be movables and not included in the sale.
But a banker, engaged at enormous expense,Had the whole of their cash in his care.
Lewis Carroll0 -
As others have said it varies not just lender to lender but product to product within the same lender. Best get absolute answer for your product from the lender.0
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A sink is not really transportable but I agree ovens are.theoretica said:I am not a mortgage lender, but to me habitable would need water, drainage and electricity (to plug in a cooker). The rest - work table, cooker, could be movables and not included in the sale.0 -
My cousins mortgage on a older property that had its kitchens ripped, literally it was just a bare room down to the brickwork had to have the following
* A sink with running potable water (apparently this is drinking water).
* Drainage for said sink
* Area suitable for food preparation (the seller bought something like this which was fine https://www.ikea.com/gb/en/p/flytta-kitchen-trolley-stainless-steel-00058487/)
* At least two working electricity points, one for food storage (e.g. fridge/ freezer), one for heating appliance (cooker or microwave) it doesn't matter long as plug is working and in a suitable location.
And thats it, didn't need cupboards or worktops. Definitely depends on mortgage though as different lenders have different criteria, but majority have the above as minimum.1 -
2bFrank said:
The water can stay where it is...My cousins mortgage on a older property that had its kitchens ripped, literally it was just a bare room down to the brickwork had to have the following
* A sink with running portable water (apparently this is drinking water).
https://www.lexico.com/definition/potable
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AdrianC said:2bFrank said:
The water can stay where it is...My cousins mortgage on a older property that had its kitchens ripped, literally it was just a bare room down to the brickwork had to have the following
* A sink with running portable water (apparently this is drinking water).
https://www.lexico.com/definition/potable
Well spotted.
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