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"Cost per sqm" messing up mortgage


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6 minutes ago, Marvin said:

Hi @BTC Builder

 

Ignoring the irrelevant stuff..

 

Who's QS has said estimated build cost is £400k-£700k based on their own cost per sqm. Is it the lenders QS?

 

If its the lenders QS, they look at it a different way. From the point of view of protecting the lender. It's all about risk.

 

You say it will only cost £200k by you managing the build and going through the family business. 

They say what happens if, for any reason, you and/or your family business cannot do the work.

 

What cost will it take someone else to complete the building? That's the lenders risk.

 

 

 

 

 

 

 

 

 

 

That's pretty much how it ended. What if I die? How will my wife do it was the quick summary. In the end they refused to look through the lense of doing it myself, it had to be through a project manager, paying a premium on everything.

 

I've found another lender now who appears to be on board. 

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11 minutes ago, BTC Builder said:

That's pretty much how it ended. What if I die? How will my wife do it was the quick summary. In the end they refused to look through the lense of doing it myself, it had to be through a project manager, paying a premium on everything.

 

I've found another lender now who appears to be on board. 

 

Well done!

 

Good luck with your project!

 

M

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