Fire Risk (Surveyor vs Lender vs Freeholder)

MarmotV

Buying 75% of a shared ownership flat in a block that I have lived in as a carer for a disabled relative. Hope to buy the remaining share within 3 years.

Fire Risk (No EWS1)

Freeholder told me: “This building has been assessed and deemed compliant via its Fire Risk Assessment. No further intrusive inspections, or inspections beyond its FRA are required. As a four-storey building under 18 metres high it should not require an EWS1.” The FRA was completed in 2018; it said the fire risk of the property was low.

Lender's (Santander) surveyor said the “valuation assumes the building owner is compliant with their legal requirements in relation to the fire safety of the building including the external walls.” They didn’t request an EWS1.

HOWEVER, I instructed a RICS surveyor who said: “The building is below 18m and does not have any visible cladding on the building or combustible balconies, however, some lenders still do require an EWS1 form. It is possible, and known, that combustible materials have been used behind the outer brick clad of the building, which is why it is advisable an EWS1 form is obtained. The fire risk assessment does not specifically state there are no combustible materials attached to the building. We also recommend this is reviewed every 2 years and an updated document should be provided."

I am worried that a sudden heavy bill would prevent me from reaching 100% ownership.

Plan

My solicitor has asked for a more recent FRA. I will also ask for confirmation that the property’s walls have been assessed for fire safety. I will send the FRA and response to my surveyor for further advice.

I also intend to send the above info to my mortgage broker and Santander.

Any guidance or help would be really (really) welcome! Thank you!!