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Defintion of Kitchen,Bathroom,Habitable

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  • Defintion of Kitchen,Bathroom,Habitable

    Hello, after originally having problems getting a residential mortgage i've been

    granted more time to get things in order. The original Abbey valuation said that the

    house wasn't habitable as it didn't have a proper kitchen or bathroom or heating.The house i'm buying was basically

    empty. To make it habitable does it have to have radiators in every room, including kitchen and

    bathroom and hall? Are electric heaters ok? I'm installing a kitchen and bathroom. Just wondering what the proper

    definition of such is(haven't got much joy in forums). Does a kitchen have to have a cooking oven or just a switch for one?

    Does gas have to be switched on(presumably could say that a new account had to be set up)? The valuers won't actually

    check that the water is being heated?? ....just that the proper system(i.e. combi boiler) is in place? Would they check for gas/electric compliance

    certs(just worried as they had seen house empty a few weeks ago.I think I have the bathroom sorted already... hot and cold taps,

    in bath and sink, and loo with water.Anything else I need to know? Thanks in advance for quick replies, regards, Greg.

  • #2
    Re: Defintion of Kitchen,Bathroom,Habitable

    I've never heard of a mortgage lender using the criteria you describe to classify a house as being uninhabitable. As far as I am aware, in order to be habitable, it just has to have a sink in the kitchen and a toilet.

    If it were me and it was possible, I would ditch the Abbey and go to another lender.

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    • #3
      Re: Defintion of Kitchen,Bathroom,Habitable

      I think the same as Kaz. I have never heard a lack of heating as being an issue.

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      • #4
        Re: Defintion of Kitchen,Bathroom,Habitable

        I agree also, habitable is running water, connected to the mains, working kitchen and bathroom and sealed to the elements. Its that the property could be lived in, not that you would be comfortable living there
        Large mortgages and High Net Worth Mortgages from enness private clients

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        • #5
          Re: Defintion of Kitchen,Bathroom,Habitable

          Abbey are always the same when it comes to properties like this. My suggestion would be to speak with an adviser who has previous experiences with "troubled" cases like this.

          Feel free to drop me an email if you need some help, I have as an adviser suffered a simular problem recently.

          Regards,

          Chris

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          • #6
            Re: Defintion of Kitchen,Bathroom,Habitable

            Kaz is totally right, although the kitchen and bathroom need to be usable. That is the general definition of being habitable. I have never had this problem with any cases I have put through with the Abbey. They always seem pretty good at lending. At worst a retention should be put on the mortgage making you do alterations or improvements with a certain timeframe.
            Anthony
            Compare the Mortgage Market
            http://www.comparethemortgagemarket.com

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