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Colleys cancelled survey as the house is non traditional!

ric1982
ric1982 Posts: 235 Forumite
Ninth Anniversary 100 Posts Name Dropper Combo Breaker
in House buying, renting & selling
Hi,

I wonder if anyone has experience about this?

Our survey was booked for this week but now cancelled by the surveyor because the house is classed as "Non traditional".

The mortgage is via Halifax.

:shocked::shocked:

Does anyone has experience of this?

Thanks

Comments

  • bris
    bris Posts: 10,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    No-fines concrete perhaps? Some lenders won't mortgage non traditional constructions so they won't waste your money on something they won't lend on.


    Ask them the type of construction then find a lender who will lend on it and try again.
  • Hoploz
    Hoploz Posts: 3,888 Forumite
    It must be built using a method which they do not support. Perhaps timber or concrete. What does it look like? Maybe you could post a link to a photo and someone could tell by looking at it.

    It might just be that this particular lender does not lend on it, and others would. Speak to your broker about the issue and they should be able to look into who to apply to instead.
  • ric1982
    ric1982 Posts: 235 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    edited 19 May 2015 at 6:01AM
    Is it worth buying the house where some/majority of lenders wont lend. (i.e. for future sale purpose)
  • Hoploz
    Hoploz Posts: 3,888 Forumite
    Not sure whether this is standard construction - I would suggest it is ... but the reason they won't lend could be because it is ex-Local Authority.

    I think you should query this further with the Halifax.
  • ric1982
    ric1982 Posts: 235 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Hoploz wrote: »
    Not sure whether this is standard construction - I would suggest it is ... but the reason they won't lend could be because it is ex-Local Authority.

    I think you should query this further with the Halifax.

    Ok I got some more details. They are called Laing easi-form .http://www.collier-stevens.co.uk/surveyors-blog/2011/laing-easi-form-housing/#.VVopeflViko.

    Not made with Brick but pre-fabricated concrete wall (this is my understanding). If this is the case then they are more likely to be more colder in winter as well.
  • Rambosmum
    Rambosmum Posts: 2,447 Forumite
    Part of the Furniture 1,000 Posts
    will halifax not lend or will the surveyor just not do the survey because it isn't their field and the halifax just need to find a different one?
  • King_Slayer
    King_Slayer Posts: 262 Forumite
    Seventh Anniversary Combo Breaker
    edited 18 May 2015 at 6:41PM
    Ric1982, we had our valuation and survey conducted and received the homebuyers report today. Laing easi-form is quite popular in some areas and were often used for Local authority housing. Our mortgage has been approved by Nationwide and I'm sure Halifax also lends on this type of property as we initially had DIP approved with them (we had also queried if they would lend on this type of property and been directed to the surveyor).. I would suggest that the surveyor is not experienced with the type/ or not willing to conduct a survey on a unconventional construction. We were previously advised that some lenders do not offer a mortgage on certain types of concrete, however Laing Easi-Form is approved by quite a few high street lenders. Where other types of concrete property struggle to sell and are mainly purchased by cash buyers.
    Hope this helps :)
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