Help- Traditional Construction or Non traditional PRC

[Bradley]

Please can someone help me. I have just had a survey done and the surveyor has reported that my house is 'of non traditional PRC construction with an asbestos roof, believed to be of concept 4 type' ...SO, my mortgage lender will not lend on the house. My term has ended and i am going to be repossessed. I have owned the house for 15years. I have 2 previous surveys 1. when i originally purchased the house and 2 when neighbour did new roof which say my house is  traditional construction with a semi pitched asbestos roof. My house has beed mortgaged before. I have photos of when a window was installed a few years ago. Can anyone look at the photos and tell me if you think my house exterior walls are Traditional Construction brick and block or Non traditional PRC Concrete. Please see photos of the wall when a new window was installed. There are clearly bricks on the floor. Any help appreciated.

[Bradley]

Here is the front and back of the house

[ProDave]

Are you seriously saying the lender who has been your lender for 15 years is now saying they want the loan redeemed in full NOW because they think it's "non standard construction"

 

i suspect you need legal advice but first look to see if another lender will take you on.  And keep up the repayments regardless.

[joe90]

Our last house (which we still own and rent out) was PRC and yes when we needed a short term mortgage it caused a hiccup as it’s not liked by mortgage companies. We did establish that a survey was done by the last owners fir their mortgage. The issue is making sure the steel frame is not rusty. In fact you could see where small areas had been cut out so the steel could be seen then patched. As the previous inspection was about 6 years ago we did not need it done again. As far as I am aware asbestos is only a problem if you break/cut it. You may need to hunt around for a mortgage company that’s interested and/or arrange a steel survey, best of luck ?

Edited March 28, 2021 by joe90

[Mr Punter]

Cab you talk to someone in your local Building Control departments?  They must be familiar with these.

 

From the picture it looks like brick and block.  I guess if you looked in the cavity you could see if it had a steel frame?

[Big Jimbo]

Go and talk to the neighbours. All the houses look the same, so it should be easy to find out from them what method of construction has been used. Best of luck.

[Gone West]

As you are in a terrace I would find out who your neighbours use for lenders.

[Bradley]

hi all, thank for your replies. Its a remortgage, the current lender will not lend to me because i have more than 3 buy-to-lets so i need to find another lender. Ive have exhausted all efforts with the council in trying to obtain history and construction with the house. The neighbors are council properties and the tenants know nothing. I just need as many experienced surveyors or builders to look at the wall in my photos and give me their opinion on whether its Traditional Construction brick and block or Non traditional PRC Concrete. I am in the process or trying to find a structural engineer to come and give me a report. Bear in mind i have 2 previous surveys which both say the house is traditional brick...I think the recent surveyor from the lender has made a crucial error

[PeterW]

5 minutes ago, Bradley said:

Bear in mind i have 2 previous surveys which both say the house is traditional brick...I think the recent surveyor from the lender has made a crucial error

There is your key. 
 

Contact the surveyor, basically provide the two previous reports and state that you believe they have made an error. Ask that at their cost they re-asses the property, and state that if you incur any costs due to their negligence then you will seek redress. 
 

Do it by phone, follow up in writing recorded delivery. 
 

Should focus the mind. 

[Bradley]

Hi peter, ive already done all that, all via emails, the lender wont budge and neither will the surveyor. They say i need to get an engineer report from a qualified person to prove the construction and even still they wont guarantee they will lend.

[PeterW]

Who is the surveyor registered with ..? 
 

If they are registered with RICS then you can complain by their complaints process. 
 

I would get a structural engineer to survey urgently, then send the bill to the surveyor. 

[Bradley]

Hi Peter, yes the surveyor is registered with RICS. Oh i didn't know i could complain to RICS. I will look into that. Thankyou. Yes i am getting a structural engineer to survey. I posted the photos on here for additional opinions of the wall construction in case 10 people replied and said, yes it PRC construction.

[Bradley]

SOLVED - The surveyor amended the construction to traditional brick. Thank you all for your kind help and advice. Take care

[Alan Ambrose]

Congrats - I think mortgage companies and surveyors are super nervous atm about ‘non traditional’ - sparked by the cladding thing. Nice heh. They run a mile as fast as they can at the earliest whisper of trouble - ‘corporate social responsibility’ anyone? Then their marketing departments will trot out ‘we’re just here to help’, ‘the listening bank’ etc.

 

Alan