Soldato
I am in the process of purchasing a home which is a form of non-traditional construction built using a concrete frame and found that finding information on these types of homes are generally all negative provided on forums. Anyway, I am continuing with the purchase of mine.
If you are looking at a home of a non-traditional type, make sure you have a good surveyor or find one that specialises with these types of homes. Certain types these non-traditional houses are notoriously difficult to identify as they appear traditional from the outside and within the roof structure. It is not uncommon in estates where they are located to contain traditionally built counterparts side by side.
Our surveyor initially said our home was a Hawksley Schindler SGS type house which is listed as defective under the Defective Housing Act of 1984. However, upon a return visit our surveyor was able to locate a section of the external wall which had not been provided with render and plaster and spotted insitu cast concrete without fine aggregates (sand). This then led our surveyor to state that in his opinion this is a Wimpey No-Fines property. Wimpey no-fines homes are not listed as defective under the Defective Housing Act 1984.
Our bank carried out a valuation and listed the property as traditional and have given us a mortgage on it. It is from the Bank of Ireland / Post office. Many of the larger banks and building societies will give mortgages on non-traditional/concrete homes even on some of those listed as defective.
If you wish to know more about Wimpey no fines homes this website has some detailed information on it. https://www.bisfhouse.com/wimpey-no-fines-in-situ-concrete-house/
I've looked at building insurance and though not all insurers cover these types of homes (a very small number) it generally costs about 30% more for home insurance.
Potential buyers often post questions on forums about non-traditional build homes and they are instantly informed to stay away, that they will not be able to get a mortgage on it and that they won’t be able to sell it in future. Well, in our case the current owners are selling it, we’ve got a mortgage on it and we didn’t run away from it.
Here are some useful links that I’ve found:
1. https://www.peterbarry.co.uk/blog/houses-of-non-traditional-construction-common-property-defects-6/
2. https://www.bisfhouse.com/defective-housing-act-and-prc-certification-explained/
3. https://prchomes.co.uk/repairs
4. https://www.homeprotect.co.uk/non-standard-construction-insurance/buying-a-non-standard-home
Hope you find something useful here.
If you are looking at a home of a non-traditional type, make sure you have a good surveyor or find one that specialises with these types of homes. Certain types these non-traditional houses are notoriously difficult to identify as they appear traditional from the outside and within the roof structure. It is not uncommon in estates where they are located to contain traditionally built counterparts side by side.
Our surveyor initially said our home was a Hawksley Schindler SGS type house which is listed as defective under the Defective Housing Act of 1984. However, upon a return visit our surveyor was able to locate a section of the external wall which had not been provided with render and plaster and spotted insitu cast concrete without fine aggregates (sand). This then led our surveyor to state that in his opinion this is a Wimpey No-Fines property. Wimpey no-fines homes are not listed as defective under the Defective Housing Act 1984.
Our bank carried out a valuation and listed the property as traditional and have given us a mortgage on it. It is from the Bank of Ireland / Post office. Many of the larger banks and building societies will give mortgages on non-traditional/concrete homes even on some of those listed as defective.
If you wish to know more about Wimpey no fines homes this website has some detailed information on it. https://www.bisfhouse.com/wimpey-no-fines-in-situ-concrete-house/
I've looked at building insurance and though not all insurers cover these types of homes (a very small number) it generally costs about 30% more for home insurance.
Potential buyers often post questions on forums about non-traditional build homes and they are instantly informed to stay away, that they will not be able to get a mortgage on it and that they won’t be able to sell it in future. Well, in our case the current owners are selling it, we’ve got a mortgage on it and we didn’t run away from it.
Here are some useful links that I’ve found:
1. https://www.peterbarry.co.uk/blog/houses-of-non-traditional-construction-common-property-defects-6/
2. https://www.bisfhouse.com/defective-housing-act-and-prc-certification-explained/
3. https://prchomes.co.uk/repairs
4. https://www.homeprotect.co.uk/non-standard-construction-insurance/buying-a-non-standard-home
Hope you find something useful here.
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