Declined mortgage twice due to flood risk but i'm not even close to a river or flood plain

mikeb222

so I've been turned down twice, Leeds and HSBC due to being a flood risk even though I am 16 miles away from the nearesr river. There has never been a flood in my area and i've lived here 40 years. Apparently the lenders have signed up to Hometrack, which provides survey data about properties. I have contacted Hometrack and they say they can't divulge what data they have about my property. Any one got ideas about the way to deal with this?

kingstreet

Has your solicitor obtained an environmental report? It will be in there.

Robin9

Have a look at Where do you want to check? - Check your long term flood risk - GOV.UK (check-long-term-flood-risk.service.gov.uk)

Rivers are not the only things that flood -   streams, lakes, canals, run off from fields

RelievedSheff

Flooding doesn't have to be from rivers. It can be from surface water run off.

Have you checked the flood maps for surface water flooding?

https://flood-map-for-planning.service.gov.uk/

mikeb222

OMG!
It's showing flood risk zone 3 (worst type)
There's never been any flodding in this whole area.
What is going on?

Eldi_Dos

Any victorian water mains nearby and higher than the property?

mikeb222

I just don't understand. All my close showing as zone 3 which says high risk of flooding from rivers or sea!
We have no river or sea nearby and have never been flooded.
It says the site is in Beta. I should think it is. Gonna have to try and sort this out.

RelievedSheff

mikeb222 said:

I just don't understand. All my close showing as zone 3 which says high risk of flooding from rivers or sea!
We have no river or sea nearby and have never been flooded.
It says the site is in Beta. I should think it is. Gonna have to try and sort this out.

Is it surface water run off flooding?

Any large hills nearby?

dunstonh

What about ditches, gullies and culverts?  

The second map on the Government site for your location should show those and the impact of flooding

BLN83

mikeb222 said:

I just don't understand. All my close showing as zone 3 which says high risk of flooding from rivers or sea!
We have no river or sea nearby and have never been flooded.
It says the site is in Beta. I should think it is. Gonna have to try and sort this out.

Hi, 

I am having a similar issue down to a stream at the end of garden. 1/3 acre plot on a hill and house is 5m above stream but the end of garden boundary is technically a high flood zone. 

We have had one mortgage decline. Just waiting on the 2nd application now. Flooding hasn’t flagged at valuation but once mortgage offer comes solicitor has to declare the elevated flood risk found in the environmental searches. 

Our new application is in with Accor, who are the broker devision of Yorkshire bank. The broker checked the flood risk pre application and they advised if we could get standard terms insurance then they should ok the lend. 

We should know next week if this is actually happening as offer is due to be received tomorrow /Tuesday then have to wait on the solicitor informing the lender and their response. 

I can let you know the outcome and then Accord or Yorkshire bank could be an option for you. 

kingstreet

It's Yorkshire Building Society, not Yorkshire Bank. Yorkshire Bank was absorbed into Clydesdale as both were owned by NAB and now they are being absorbed into an enlarged Virgin Money.