Two houses query

McG12

We have an unusual situation where we have mortgages on semi detached houses which are attached to each other, I.e. we own both. We want to knock a doorway through but are concerned about the affect it would have on our mortgages and future re valuations etc. Also how we would go about getting one mortgage for both as no lender seems interested. Any advice would be appreciated. 

K_S

@mcg12 Are you intending to turn it from two dwellings into one (one address, council tax reference, utilities, etc) or simply create an access (a doorway between the two properties) to use?

If the former, you'll need a specialist lender to cover the period it takes to join them up (planning permission, work, other formalities, etc) and then once it's one address remortgage it with a mainstream residential lender.

If the latter, you could just do it but if it ever comes to a future physical valuation of either of the houses and the valuer notices it, it'll likely be declined.