Mortgage with Completion Cert
Caine123
Posts: 3 Newbie
Hi All
I had a house built and completed in 2014 however it turns out i do not have a warranty and my mortgage has expired-is there any way to get a mortgage without a warranty.I do have a completion certificate. (i have contacted warranty companies and they want drawing,plans etc which i am struggling to get hold of due to the architect company closing down)
Any help much appreciated
I had a house built and completed in 2014 however it turns out i do not have a warranty and my mortgage has expired-is there any way to get a mortgage without a warranty.I do have a completion certificate. (i have contacted warranty companies and they want drawing,plans etc which i am struggling to get hold of due to the architect company closing down)
Any help much appreciated
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Comments
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You mean the fixed term is up and you are on their SVR? Call them up and ask to be put on their fixed rate deals.
Having no warranty isn't an issue if the LTV % is low enough.0 -
By "completion certificate" do you mean from building control, or from the architect (or something else)?0
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Hi,i took out a 10 year mortgage and the 10 years has ended so i am going to get another mortgage.Yes the completion cert is from building control.
Thanks
for replys0 -
HI,the lender i am currently with no longer offer mortgages so i have to change lender (the house value is twice the current mortgage) . The completion cert is from building control.
Thanks for reply's0 -
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foxy-stoat wrote: »Does he really need this, Building Control certificate is all he needs.0
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OP may be stuck for a couple of years then as he built it in 2014, odd how the mortgage was taken out in 2009 for a property that wasn't finished until 5 years later though......0
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