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Definition of Habitable??

  • 29-03-2018 10:01am
    #1
    RMAC1
    Registered Users, Registered Users 2 Posts: 4 ✭


    Hi All, long time watcher of the form and some great info here, but as we're getting closer to house purchase it’s time to start talking!!
    Just wondering if anyone can enlighten me as to what the planners, mainly in Cork but other area too, define as a habitable house with regard to rural areas? Trying to find out because if planners deem a property we're looking as derelict/disused we'd have to renovate and extend but if habitable we could knock and construct a new house which would be our preferred option as we don’t meet the requirements for rural housing. Thanks.


Comments

  • #2
    JimmyMW
    Registered Users, Registered Users 2 Posts: 695 ✭✭✭JimmyMW


    RMAC1 wrote: »
    Hi All, long time watcher of the form and some great info here, but as we're getting closer to house purchase it’s time to start talking!!
    Just wondering if anyone can enlighten me as to what the planners, mainly in Cork but other area too, define as a habitable house with regard to rural areas? Trying to find out because if planners deem a property we're looking as derelict/disused we'd have to renovate and extend but if habitable we could knock and construct a new house which would be our preferred option as we don’t meet the requirements for rural housing. Thanks.

    Has the house electricity, water and sewerage connection? When did someone last live in the property?


  • #3
    RMAC1
    Registered Users, Registered Users 2 Posts: 4 ✭RMAC1


    From my understanding house was lived in about 10yrs ago. Running water at the back of an out building from group water scheme so wouldn't take much to get it to the house. ESB wires to the house but power disconnected. Think house has septic tank somewhere on the site according to the auctioneer.


  • #4
    JimmyMW
    Registered Users, Registered Users 2 Posts: 695 ✭✭✭JimmyMW


    RMAC1 wrote: »
    From my understanding house was lived in about 10yrs ago. Running water at the back of an out building from group water scheme so wouldn't take much to get it to the house. ESB wires to the house but power disconnected. Think house has septic tank somewhere on the site according to the auctioneer.

    From my own personal experience if the ESB is disconnected for longer than 2 years you will need a new electrical cert to get it re-connected, if there is no ESB and its empty with 10 years you will struggle to have it classed as habitable IMHO.

    Also search this thread, Process when buying a derelict property


  • #5
    pegdrums
    Registered Users, Registered Users 2 Posts: 308 ✭✭pegdrums


    Howdy. I dont wanna steal a thread here but Im curious about the definition of habitable too.

    My wife and I are looking at a house that we consider habitable but knowing our luck the EBS wont. Its in Cork City, was lived in up to a year ago according to the agent. It's connected to water and electric mains as well as sewage. Water is running, roof is straight (no moved or missing tiles and roof line is arrow straight) and the floors are solid underfoot.

    It isn't pretty by any means. Hasn't been improved since built in the 50's. It does have a tiny utility extension with a leaky roof but its not affecting the main house.
    Baxi boiler is relatively new and electricity board is recent with yellow tags on it.
    Long story short!!!

    To buy it would take our entire mortgage and wed be happy with it the way it is. We'd move in and tidy things up over the following years. (Windows are singl glazed alu for example)

    Is there any danger of the EBS considering this a fixer upper?
    Does anyone know what the person they send to the house to fully approve the mortgage actually looks for?

    Many thanks.


  • #6
    BryanF
    Moderators, Home & Garden Moderators Posts: 10,146 Mod ✭✭✭✭BryanF


    pegdrums wrote: »
    Its in Cork City, was lived in up to a year ago according to the agent. ...


    Baxi boiler is relatively new and electricity board is recent with yellow tags on it.
    ...

    1. Is there any danger of the EBS considering this a fixer upper?
    2. Does anyone know what the person they send to the house to fully approve the mortgage actually looks for?

    Many thanks.
    Your in the city habitable or non-habitable: you’ll get planning.
    1. Assuming electrics can be signed of by electrician, esb will reconnect for a standard fee
    2. No one. You pay an auctioneer from a bank supplied list. It’s a flat fee of ~200€ tell them what the house is on the market for and what you need to borrow.


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  • #7
    pegdrums
    Registered Users, Registered Users 2 Posts: 308 ✭✭pegdrums


    Thanks for your reply.

    I spoke to the broker today. He said there is no reason for it to be assessed as a fixer upper which is good news. He also said he knows they assessor the EBS would be sending out and that he is quite pragmatic.

    Long story short the broker seems to understand the situation and is on our side.
    Just need to hear back from the estate agent now.


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