Coal mining report! Help

baz178

baz178

baz178

Associate
Joined
21 Jan 2013
Posts
792
Location
Leeds
Hi,

I’m ready to complete my mortgage on Friday the 14th and the lender has asked for the coal mining report which states below ! Do you think they will still borrow to us on the report ?


1. Past underground coal mining
Is the property within the zone of likely physical influence on the surface of past underground coal workings? If yes, indicate the number of seams involved, their depth and approximate last date of working.
For the purpose of this enquiry zone of likely physical influence will be based on the principle of 0.7 times the depth of the working allowing for seam inclination.
The property is within an area where Coal has been mined below or within a zone of influence that includes the property. In total 2 seams have been worked, of these 0.00 percent are at shallow depths. 100.00 percent are at moderate depths and 0.00 percent are at considerable depths. This mining was last active in 1925.
The property is in an area where records indicate there is coal at or close to the surface. Although there is no record of this shallow coal having been worked it may have still have been worked at some time in the past. Please refer to informative
Informative
If this shallow coal has been worked it can represent an increased risk of subsidence.
Professional Opinion and Recommendations
If any damage is caused to the property by subsidence from past coal workings the owner of the property would normally be able to make a claim under the Coal Mining Subsidence Act 1991
If you are concerned about any of the issues raised here and wish to obtained further advice you will need to have a detailed investigation undertaken and a report prepared by a suitably qualified professional and follow any guidance given in that report.
A mining surveyor would be able to look into detailed records to say more precisely what, if any, risks are present.
A structural surveyor would be able to provide a report to identify any structural defects in the property enabling a benchmark and identifying any existing defects
PinPoint Coal Zone of Influence
Landmark Coal Reports use a bespoke methodology to determine the zone of influence that is unique to them and highly accurate. The average depths of underground workings within the Zone Of Influence are reported by indicating the percentage depths for shallow workings (those less than 30M or 50M where the seam is unusually thick), moderate (depth ranges from 30M to 500M) and considerable (workings deeper than 500M). A count of the number of seams worked and the last date of mining from these is also reported.
2. Present underground coal mining
The property is not in the likely zone of influence of any present underground coal workings.
Is the property within the zone of likely physical influence on the surface of present underground coal
 
Says
4. Mine Entries
In the area where this property is located there may be unrecorded mine entries present
Coal Authority records indicate that there are no known or recorded mine entries present within the boundary of the property, or within 20M surroundin
 
"borrow to us"...? You literally use the term "lender" in the previous sentence!

And yeh, you should still be fine.
 
Don't fret, you should be OK. Lender may want to action more in depth surveys which may delay your date but shouldn't stop the loan. May just want things noted on account etc.

Good luck
 
baz178 said:
everything was fine except the comments above now I’m worried they won’t lend to us
Click to expand...

He means half of South Wales properties would receive a report similar to yours as would properties in other former mining areas. The report itself is quite general with no specific risk noted (such as mineshafts in the vicinity of your property) and unlikely to result in a mortgage refusal but your lender may ask for additional information such as a structural survey and you may wish to have one done for your own peace of mind.
 
baz178 said:
everything was fine except the comments above now I’m worried they won’t lend to us
Click to expand...

Surveyor has explained my point more clearly than I did. Bah.

I had a full survey done before buying my house. It was a very helpful report, and gave me good pointers for the (fairly large) amount of work I had to do. It was well worth the money.
 
baz178 said:
I’m ready to complete my mortgage on Friday the 14th and the lender has asked for the coal mining report which states below
Click to expand...

You are about to spend tens or hundreds of thousands on this property. Go consult a professional rather than relying on randoms on the internet.
 
Why waste money asking a professional when all he needs to do is wait for the lender to reply :confused:


Regarding asking "randoms", this forum is full of quite knowledgeable people, and potentially some involved within the surveying industry.

I'm no expert myself, but I have bought many properties so have experience enough to offer advice. I have one completion going through tomorrow and I'm hoping another completes in less than two weeks time which is pending a few things but coincidentally also a coal mining survey which the searches flagged up.
 
Le Clandestin Brun said:
Why waste money asking a professional when all he needs to do is wait for the lender to reply :confused:
Click to expand...

Because if you ask a professional their advice comes with a warranty. They can be sued for incorrect advice. Yes, it's 99% unnecessary, but there's always that 1%. The OP is going to be borrowing a huge amount of money. The smart move is to play safe and get professional advice.
 
You do know the question he has asked in the OP doesn't require any professional input at all, yes? The answer to "Will this report affect my lender providing a mortgage" does not need a warranty :cry:
 
To what gain? The only people who can answer accurately are the lender themselves, meaning he can simply wait for their reply.
 
I bought a house in 1982 in Leigh Lancashire with three active or recently active pits in the area. I cannot remember the particulars exactly however the area was recognised as having suffered from past subsidence and the property (a terraced house) had likely had some subsidence since construction around 1910 but was considered not to be a risk for further movement. We got the loan in full.

Much of the North was a mining area for some mineral or other at some stage.
 
You should consider a full report/survey to be done on the house. i.e. Not the cheap basic one. The one typically £700 - £1500 where they will check for subsidence and more structural stuff. They aren't always worth it and tend to come with loads of disclaimers but in the grand scheme of your house cost vs a grand on a report for piece of mind...kind of makes sense. It's potentially going to be a fraction of a percent of the total house cost.
 
Hey there. I operate a geotechnical engineering contracting firm in Yorkshire. I have been doing this for 11 years.

the majority of our work is investigating mining issues and treating them via grout injection

it’s this part that’s important

“The property is in an area where records indicate there is coal at or close to the surface. Although there is no record of this shallow coal having been worked it may have still have been worked at some time in the past.
If this shallow coal has been worked it can represent an increased risk of subsidence.”

This basically means that the property is in a development high risk area and is situated over economic seams of coal. These may have been worked in the past and this was often not recorded at all or poorly recorded. The reason it is poorly recorded is because this was probably undertaken 100-150 years ago on an ad hoc basis. There wasn’t the pressures on land there is now nor the understanding of structural / civil engineering.

if this was a development site and not presumably a house you’d have to have it investigated by intrusive rotary investigation under a coal permit and if problems were found then grouted and the foundations designed with heavy reinforcement in

if it’s an existing house and is quite old (50+ years) then any issues would be remediated by the coal authority should they occur.

there are situations such as if the house has had a coal claim and it’s been paid out that you need to watch out for thought.

id speak to a local geotechnical engineer who knows the area and ask there advice. If it was a house in Yorkshire I could be more help…
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom