Is this possible - non standard property and 4.75x income mortgage

Its not something that would hugely concern me. There are plenty of lenders who lend with more than 1 kitchen subject to valuers comments and certain criteria being met.

Lenders who do 4.75x or above are part of the list of lender who lend on these subject to valuation.

If i had this case I would call each of the lenders who i know do this, send the rightmove link to the business manager who will send it to a preval team to find out if it is dead in the water before starting .

You could do this yourself but i dont know if direct has a pre-val facility, you would save yourself a lot of time and hassle just getting someone to do all the legwork for you.
You can also do the conveyancing yourself if you want but you generally get a professional to do all the complex work for you. Mortgages are no different. If there is any degree of complexity involved get someone to give you advice on best way forward.

And i would expect a prime high street lender to pick this up to you would get mainstream rates as well

ACG wrote: »

If you are doing it properly, I am not sure it will go through with a normal lender personally. It might sneak through, but you are risking time and potentially money and credit checks in the hope it slips under.

It is not really my strong point, so happy to admit I could be way off the mark but I think you probably need a bridge for a month or 2 so put it back in to 1 property (1 gas and electricity meter), 1 lot of council tax and then get it on to a normal mortgage.

I've done a couple straight in to normal lender when the property was currently split into granny annexe with a seperate kitchen. There was no access to the main house and only access was from a staircase partitioned through a garage. Offer ended up expiring and moved from accord to platform so both agreed based on val.

Maybe it helped that it was in an area that wouldnt be generally used as a btl area. And they were both quite big family units where the main house wouldnt be suitable to live in unless the annexe was re-purposed. Plausibility and val comments probably helped.

bridging is a good shout though, would be worth exploring definitely .

ACG wrote: »

I used to work for Co-op bank/platform and there is no way in a million years I would submit the case the OP explains to them.

It was also slightly different I am assuming it that it was the same address where as this is 2 addresses (2 lots of council tax and bills?).

With anything like this, I think the devil is in the detail.

Mine was all 1 property on a single title and 1 council tax. Just had the layout changed to be self contained unit with its own entrance. It was a few years ago but i think the previous owners used it for visiting family or older children or something.