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Ecology mortgage


Taff

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Going through our revised offer from ecology. As we have a section 106 agreement, the valuer has picked out that we cannot sell the property to anyone who doesn’t have links to our local community within the first 12 months of being on sale (not that we will be selling it). After the initial 12 months it can then be sold to anyone. 

 

The email states 

 

Please find attached your revised mortgage offer due to the surveyor reducing the mortgage valuation by 25% to take into account the restriction on the section 106.

 

The main change is the monies available from completion of the mortgage which has increased the retention by £20,000. The loan amount has not changed.

 

Am I right in saying that they keep hold of the amount in retention until we request a further valuation? 

Another point is there any guidance on when is the correct/appropriate times for re evaluation?

 

its a mine field out there ? 

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