12:20 PM, 5th November 2014, About 9 years ago 4
Hi my husband and I have owned a mid Victorian terrace since about 2000, when we first purchased it had a separate flat on the ground floor, and first floor was two sort of bed sits.
We converted with planning permission and building control into two flats.
A one bedroomed flat on the ground floor and a two bedroomed two bathroomed flat on the first and second floor.
We have a mortgage with mortgage express, but originally purchased with cash, we now need to split the title so that the house is officially two flats and land registry need to have the mortgage companies consent to do this.
I don’t know how the mortgage company would view this, its been remortgaged with them on a few occasions so I am sure they must have the property down as two flats but all paperwork just have one address.
Doing this exercise as the tenant in ground floor flat has been accepted for a new boiler under the affordable warmth scheme and company help link following guide lines.
Any one else had a similar situation, don’t want to rock the boat with mortgage express.