We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Buying a flat - leasehold and other things
Comments
-
No need for certificate unclad buildings. Government clarified rules on 21st Novembermrsaver11 said:It bears repeating even if NameUnavailable already mentioned this: DO NOT GET A FLAT WITHOUT A VALID EWS1 FORM. What happened with Grenfell means that for better or worse, it's required now.Your lender may refuse to give you a mortgage, or worse, you will be able to buy it, but the flat becomes a ticking timebomb that you will have difficulty selling or remortgaging in a few years. EWS1 certification may take some time and expense to get done, so you really want to know that you have one available even before seriously thinking of pulling the trigger on your purchase.I'm saying this so that you avoid the faff I'm going through right now. I'm a FTB who wasn't aware that EWS1 is required now, and both me and the seller are very stressed out due to how this has been blocking the purchase process.
https://www.gov.uk/government/news/government-steps-in-to-help-homeowners-caught-up-in-ews1-process
0 -
This may be a stupid question, it comes from genuine ignorance. How do you know if a building has cladding? My block looks brick built and past repairs have demonstrated that it is brick built. Next door there is a far more modern building that looks brick built but it is actually timber framed with brick cladding (I watched it being built).
how is anyone to know the difference?0 -
You don't need to know. The surveyors will know. If it's a property you already own, you'll (I presume) have past surveys disclosing the method of construction. And unless it's ancient, building control will have details from the time of its construction.bouicca21 said:This may be a stupid question, it comes from genuine ignorance. How do you know if a building has cladding? My block looks brick built and past repairs have demonstrated that it is brick built. Next door there is a far more modern building that looks brick built but it is actually timber framed with brick cladding (I watched it being built).
how is anyone to know the difference?1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards