You are reading a single comment by @amey and its replies.
Click here to read the full conversation.
London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
This site is supported almost exclusively by donations. Please consider donating a small amount regularly.
amey
Can anyone help with EWS1 advice?
Friend and his partner are trying to buy a third floor flat in a four storey building in Clapton. It is made of brick and has no cladding or balconies. Despite this, Barclays - their preferred lender - are insisting on an EWS1 which doesn't exist due to the balconies (wut). The housing association haven't done one, because in their view (and mine!) it isn't needed.
Barclays aren't budging, so they've given up with them and are proceeding with Santander, their second choice. Santander have apparently been using a process where they contact the building freeholder/management to discuss the fire risk assessment before they decide if an EWS1 is needed. So it seems they have a much more sensible process than Barclays, but that's no guarantee.
One of them is a freelancer and if Santander doesn't work out they're running out of mortgage options.
Is there anything else they could/should be doing?