Shelter’s Income and expenditure figures highlighted13:57 PM, 4th February 2019
About 2 weeks ago 35
I need some advice about buying a house with an uncertified loft conversion please.
It’s advertised as a 3-bed house with a “converted attic room used as the third bedroom”. It has been let for several years. The loft conversion was done before the current seller bought the house in 2007. I have asked for documentation about the construction and any buildings regs inspection for the loft conversion and received none. Upon pressing for this the estate agent said that the conversion was done before certification was required, but has conceded that the loft is not legally classed as a bedroom for sales purposes.
Even if I were to make an offer based on a 2-bed house, I am still concerned about the effects of the conversion on the structure, insulation, safety, etc, of the rest of the house and would be inclined to have a full structural survey done, if I were to make an offer to buy this property. This would require lifting of boarding on walls and floor, at the least.
Would I have to get permission from the seller to do such uncovering works?
I have to apply for a mortgage for this purchase. Would lenders be likely to lend for this, and would I be able to re-negotiate my offer price if a survey revealed concerns?
I am not eager to incur legal and mortgage application fees if the outcome is likely to be unfavourable, or that the purchase would be a major millstone round my neck.
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