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Stairs in a bedroom to loft, can room with stairs in still be classed as a bedroom?

Back bedroom has an open stairway located in the centre of the room which leads to loft area which cannot be classed as a bedroom (doesn’t meet building regulations)

The “bedroom” which has the stairs within it can fit a single bed in it still but for valuation purposes would it be classed as a habitable bedroom? 
FTB 85% LTV Employed Previous furlough/flexi furlough (no furlough since 9/2020
offered 11/5
best & finals 12/5 (we stuck with our original offer)
Offer accepted 13/5
AIP 17/5
Full application submitted Santander 17/5
Hard Credit check 17/5
Valuation instructed 19/5
valuation completed 25/5
mortgage offer received 25/5 
buildings survey completed 1/6



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Comments

  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 4 March 2021 at 1:22PM
    Building regulations are a bit of a red herring as (assuming this is a historic alteration) it's no longer enforceable, and nobody's keeping a register of "official" bedrooms. If you want to have a bedroom which can only be accessed via another bedroom, you can - but obviously buyers aren't going to value those as much as rooms which can be accessed independently. It's more like "bedroom with en suite study/playroom" etc. I'd be more concerned about the heat going straight up into the loft room.
  • Mickey666
    Mickey666 Posts: 2,834 Forumite
    1,000 Posts Photogenic First Anniversary Name Dropper
    I'm not sure what defines a 'bedroom' and I'm not convinced it really matters - potential buyers will decide for themselves when viewing.

    Our previous house had a bedroom with a spiral staircase to the ground floor.  Didn't stop it being used as a bedroom, being described as a bedroom by the EA, or being questioned by potential buyers.  I also had one of the 'bedrooms' fitted out as a home office but that didn't stop it being described by the EA as a bedroom either, although the buyer was delighted to have a fully fitted 'home office' instead of an extra bedroom.

    I wouldn't over-think things too much.  Houses are what they are and plainly visible to potential buyers.


  • Madhouse2_2
    Madhouse2_2 Posts: 21 Forumite
    10 Posts First Anniversary Name Dropper
    davidmcn said:
    Building regulations are a bit of a red herring as (assuming this is a historic alteration) it's no longer enforceable, and nobody's keeping a register of "official" bedrooms. If you want to have a bedroom which can only be accessed via another bedroom, you can - but obviously buyers aren't going to value those as much as rooms which can be accessed independently. It's more like "bedroom with en suite study/playroom" etc. I'd be more concerned about the heat going straight up into the loft room.
    In this instance I am the buyer and while we don’t have issue with the set up. 
    NatWests valuation surveyor does and have undervalued it significantly due to now only classing it as a 2 bedroom discounting the loft (which we always knew couldn’t be classed as a bedroom) and the second double bedroom which has the stairs to loft in. 
    FTB 85% LTV Employed Previous furlough/flexi furlough (no furlough since 9/2020
    offered 11/5
    best & finals 12/5 (we stuck with our original offer)
    Offer accepted 13/5
    AIP 17/5
    Full application submitted Santander 17/5
    Hard Credit check 17/5
    Valuation instructed 19/5
    valuation completed 25/5
    mortgage offer received 25/5 
    buildings survey completed 1/6



  • Madhouse2_2
    Madhouse2_2 Posts: 21 Forumite
    10 Posts First Anniversary Name Dropper
    Mickey666 said:
    I'm not sure what defines a 'bedroom' and I'm not convinced it really matters - potential buyers will decide for themselves when viewing.

    Our previous house had a bedroom with a spiral staircase to the ground floor.  Didn't stop it being used as a bedroom, being described as a bedroom by the EA, or being questioned by potential buyers.  I also had one of the 'bedrooms' fitted out as a home office but that didn't stop it being described by the EA as a bedroom either, although the buyer was delighted to have a fully fitted 'home office' instead of an extra bedroom.

    I wouldn't over-think things too much.  Houses are what they are and plainly visible to potential buyers.


    Whilst I agree as it doesn’t bother us at all (we are the buyers in this scenario)
    but NatWests valuation has come back significantly below agreed sale price stating it as a 2 bedroom due to stairs in the second double bedroom. 
    FTB 85% LTV Employed Previous furlough/flexi furlough (no furlough since 9/2020
    offered 11/5
    best & finals 12/5 (we stuck with our original offer)
    Offer accepted 13/5
    AIP 17/5
    Full application submitted Santander 17/5
    Hard Credit check 17/5
    Valuation instructed 19/5
    valuation completed 25/5
    mortgage offer received 25/5 
    buildings survey completed 1/6



  • Madhouse2_2
    Madhouse2_2 Posts: 21 Forumite
    10 Posts First Anniversary Name Dropper
    If there is a bed in the room, it is a bedroom.
    (you must win prize for longest signiture ever)
    This is what I thought but not according to the valuation 🤦🏼‍♀️ Just wondering if he was just having an off day or if they’re all going to say the same thing. 

    🤣 yes and it’s only getting longer with the continuing issues!
    FTB 85% LTV Employed Previous furlough/flexi furlough (no furlough since 9/2020
    offered 11/5
    best & finals 12/5 (we stuck with our original offer)
    Offer accepted 13/5
    AIP 17/5
    Full application submitted Santander 17/5
    Hard Credit check 17/5
    Valuation instructed 19/5
    valuation completed 25/5
    mortgage offer received 25/5 
    buildings survey completed 1/6



  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    If there is a bed in the room, it is a bedroom.
    (you must win prize for longest signiture ever)
    🤣 yes and it’s only getting longer with the continuing issues!
    Can't wait for the next update. Its a quandary, should I continue reading or wait for the movie to come out?

  • Titus_Wadd
    Titus_Wadd Posts: 511 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Not much useful advice to offer, but I'd market the room as a teenagers room with mezzanine level.  The Estate Agent missed a trick!
  • moneysavinghero
    moneysavinghero Posts: 1,761 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Whether it is or not a bedroom is academic. Your bank says it is not and has valued it accordingly. Do you have enough deposit to make the down valuation irrelevant? Or can you find a new mortgage provider who will value it differently.
  • [Deleted User]
    [Deleted User] Posts: 3,297 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    You can call it a bedroom if you like but I wouldn’t value it or pay as much for it as a near identical property that didn’t have the hooky loft conversion with the stairs in the bedroom. 
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