Qualification on title for mortgage

mickman

Hi guys

I'm buying an unfinished house that didn't have a final cert of compliance because these Certs get written at the end and the builders stopped before then so engineer never wrote the cert

He is out of business now so can't write the cert so the vendor got another engineer to write a cert of compliance with planning and building regulations

Obviously he didnt supervise construction and my solicitor says this should be fine with the bank but she has written it under the 'qualifications' section

Has anyone experience with this ? Do banks usually accept this and let drawdown begin?

Thanks for any help

mickman

any idea at all guys ?

Mr. Incognito

This is pure legal advice and banned here

mickman

oh ok .fair enough.

apologies

godtabh

A cert of compliance usually states that a house is built in accordance to the conditions associated with a planning permission. For example the height of the house may have be limited. Your cert will say yes it is in accordance to the planning condition.

It wont say that it was built in accordance to the architects/engineers specification.

mickdw

godtabh wrote: »

A cert of compliance usually states that a house is built in accordance to the conditions associated with a planning permission. For example the height of the house may have be limited. Your cert will say yes it is in accordance to the planning condition.

It wont say that it was built in accordance to the architects/engineers specification.

But they will look for cert of compliance with planning and building regulations.
Anyone writing a cert covering both of those without having inspected the construction stage will include a disclaimer stating that no opening up of works took place and only those aspects of the building regulations that are visible are being certified. It is usually acceptable to banks.

mickman

mickdw wrote: »

But they will look for cert of compliance with planning and building regulations.
Anyone writing a cert covering both of those without having inspected the construction stage will include a disclaimer stating that no opening up of works took place and only those aspects of the building regulations that are visible are being certified. It is usually acceptable to banks.

Thanks guys . That is what I am led to believe

The cert says planning and building regulations

Any idea under what circumstances would this not be acceptable to the banks?? Do you know of any ?

mickdw

mickman wrote: »

Thanks guys . That is what I am led to believe

The cert says planning and building regulations

Any idea under what circumstances would this not be acceptable to the banks?? Do you know of any ?

Should be fine as long as the cert is clean. By that I mean as long as there is not a list of issues identified on the cert as non compliant.

godtabh

There is a big difference in current building regs and the previous version. If the commencement notice was lodged pre the new regs the old regs still apply

mickman

mickdw wrote: »

Should be fine as long as the cert is clean. By that I mean as long as there is not a list of issues identified on the cert as non compliant.

Ok thanks

There is nothing on it saying non compliant

Thanks for the help

mickman

godtabh wrote: »

There is a big difference in current building regs and the previous version. If the commencement notice was lodged pre the new regs the old regs still apply

Yep. Was 2008 so old reg

Thanks