Remortgage before completion certificate?

[Weebles]

We aren’t expecting a completion certificate for a while (maybe later this year). Two year lock in on expensive self build mortgage has just expired. Our house is liveable (mortgageable) but not yet finished. Things to do include final bit of cladding, all landscaping and driveway plus some other internals. Plus a bl**dy roof light repair and internal making good. Currently Ecology SB mortgage. Does anyone have any experience of remortgaging before a completion certificate is issued?  Could do with saving some money......

[Viki]

We are a bit in a similar situation. Not knowingly applied for planning permission for two houses and just find out that cannot get completion certificate until both houses are finished. And one (our) is not far off to be finished. Jobs left are bit of cladding and final render coat, and the stairs. And second house needs first and second fix. So have temp. habitation certificate and hoping to  get a mortgage on our house, which we live in just now. Would like to see if anyone was in the similar situation and managed to get a mortgage with temp. Habitation certificate?

Edited May 22, 2020 by Viki

[Weebles]

Update: got turned down for remortgage. Need building control sign off and can’t get that without a wheelchair path to the front door, amongst other things. V annoying.

[Russell griffiths]

Wheelchair ramp is a mornings work. 

There was an aluminium one in sections on e bay the other day £250.