converted non standard construction

stevenbecca

Hiya, we have just viewed a house that was previously a council house, this property was built under the concrete large panel system but has since been converted to brick and block cavity walls, it's a mid terrace and both sides have also been done, this conversion was carried out whilst it was still a council house, the current owners (who bought from the people that bought from council) don't have any paperwork for this (assuming there should be some) is this property now mortgageable with a normal lender as a standard house?
my other difficulty is we will be using an adverse lender as my wife's dro is discharged for 3yrs next month and we both have satisfied defaults and a ccj each satisfied. 

any help would be very much appreciated thanks 

[Deleted User]

You need a PRC repair certificate. 

If they can get a replacement issued then it should be mortgageable as a conventional property.  If they can't produce a certificate either to the valuer or to your solicitor who acts on behalf of the lender too, then its going to hit a brick wall ( or a concrete panel wall otherwise) 

stevenbecca

Deleted_User said:

You need a PRC repair certificate. 

If they can get a replacement issued then it should be mortgageable as a conventional property.  If they can't produce a certificate either to the valuer or to your solicitor who acts on behalf of the lender too, then its going to hit a brick wall ( or a concrete panel wall otherwise) 

I've been reading online (dangerous i know) apparently if the council owned the property when the work was done then a certificate wasn't issued as they obviously didn't have a mortgage on them, 
I'm going to try on the mortgage and see what happens if the seller can't find anything.
didn't know if something like that would come up in searches? never know might be lucky and they do a desktop valuation on it.

[Deleted User]

The seller will complete their sales paperwork confirming any work done on the property in the past.   This will then be seen by your solicitor who works on behalf of the lender.   You will likely get a mortgage offer as they may do a desktop survey but it will be revoked post offer once your solicitor reports to the lender.  

You are best speaking to your solicitor and saying what lender you intend on going with and seeing if any alternative documentation will suffice before you start spending money all over the place. 

But even if you can get it through you will have to be aware that you are going to really struggle to sell the property in the future as these requirements only get tighter over the years