Money/mortgage trouble - any sensible lenders?

[Henry123]

Dear all,

I am buying a grade II house which is a bit poorly. Nothing major but damp has got in badly as a) it's old and b) it's not been lived in for many months.
It's not too bad.

There is also a a couple of un-decorated walls from a big leak which occurred from the roof - now fixed.

I passed all the mortgage process and the finances are all fine. However when the bank's surveyor came, they said it was unmortgageable. News which is sad, disappointing and extremely annoying as well.
My question is to those who have recently bought their properties - did you use a 'normal' bank or a specialist and was your mortgage the usual type or some other kind which allowed you to do repairs etc. or took them into account?

Many thanks!
H

 

[Feltwell]

I had good advice a number of years ago to only ever get a basic valuation survey from the bank, so they only see that detail - which I believe these days is often done without a site visit! If you want a full structural survey, commission it yourself, addressed to you - no need to show it to the bank. They do tend to spook them.

 

[Lacan07]

Dear all,

I am buying a grade II house which is a bit poorly. Nothing major but damp has got in badly as a) it's old and b) it's not been lived in for many months.
It's not too bad.

There is also a a couple of un-decorated walls from a big leak which occurred from the roof - now fixed.

I passed all the mortgage process and the finances are all fine. However when the bank's surveyor came, they said it was unmortgageable. News which is sad, disappointing and extremely annoying as well.
My question is to those who have recently bought their properties - did you use a 'normal' bank or a specialist and was your mortgage the usual type or some other kind which allowed you to do repairs etc. or took them into account?

Many thanks!
H

Did they say why exactly? What put them off?

 

[a twig]

We had a similar discussion on this theme a year or so ago I think, there are some providers that have become incredibly risk averse, and unless it is a bog standard Barrett Box they won't touch it.

This thread here has some links in a post by @88v8 on similar discussions previously on brokers - or just searching "mortgage" on here will get you hundreds of results

 

[Henry123]

Thanks all!