ExTra-
What happens If we told the bank in good faith and later found out it isn’t solid bricks?
The valuer sent on behalf of the mortgage lender should be able to tell.
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The valuer sent on behalf of the mortgage lender should be able to tell.
Exactly this.
I wonder whether this is exactly what happened with the previous buyer who couldn’t get a mortgage. And possibly why they’ve lopped a big chunk off the price, because the surveyor said it’s worth less because of the build type.
Mortgages can be got on non-trad construction houses, so long as they’re not on a list of defective types, but not all lenders like them so you need a broker who knows what’s what.
It’s probably more likely to be trad cavity built and the EPC is wrong but there are a few warning signs so I’d check before committing.
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pifko
Hefty
If you want the house, play the agent’s game and chat to their broker. They will get a commission if you use them, but they also have a seller who is gutted because the last person couldn’t get a mortgage and they want to limit that risk again by getting you to talk to someone they trust.
If you come across as defensive and not wanting to even have a 30 minute chat with their person they’ll be nervous of why and so will the seller.
On the construction - you are right, you’d usually expect to see bricks end-on for a solid wall and most solid wall construction ended before the war. The EPC says it has solid and cavity walls. That could be the extension, dunno. There were a lot of houses built post war that were steel frame with brick cladding, I’d just clarify it’s not one of those. The agent should put it on the brochure if it is but it’s worth double-checking. Ring a local surveyor or another [experienced, good] estate agent, they’ll know because the whole street / area will be the same.
ETA: Maybe ring these guys. If you read the heading Housing Shortage it mentions 3 types of non-traditional construction that are used in Northampton, all of which are brick clad on the ground floor. We don’t have any of these types round here so I can’t tell you if the one you are looking at is one of them.
https://homesurvuk.com/residential-valuations-building-reports-northamptonshire/