If it was me then I'd put vastly more stock in the surveyor's opinion than the estate agent's - given that the former should be an expert in this area while the latter probably isn't and has a vested interest in pushing the sale through come what may.A surveyor we commissioned found ceiling height in kitchen extension (2storey extension built in 2012) to be of height 2310mm but noted that min height should be 2400 per regulations. Mortgage broker indicated our preferred lender will not loan against this house given discrepancy.
Vendor’s estate agent has come back to dispute our engineers assessment saying that because the room ‘on average’ is greater than 2400mm due to the height height sun lights in the kitchen that it does comply overall with regulations and will provide this assessment to the mortgage lender.
Thanks! I should have been clearer - the surveyor we commissioned said the house was generally in good nick but the ceiling height was an issue. The vendors side provided an engineers very to say it was broadly in compliance (the extension) which our solicitor said would suffice. At the 11th hour our mortgage broker asked for a copy of the survey for the lender as the house is over 100 years old at which point he indicated we wouldn’t get a loan against that particular survey so advised to either get another survey OR pull out Laura together from sale given this could cause us a headache selling on in future which is our main concern. The estate agents when we indicated we were pulling out of sale have got another engineers opinion on ceiling which says he believes it is in compliance (on average given some of the room is over and some is under) and that he’s willing to provide that assessment to the lender and solicitor to save the sale.If it was me then I'd put vastly more stock in the surveyor's opinion than the estate agent's - given that the former should be an expert in this area while the latter probably isn't and has a vested interest in pushing the sale through come what may.
What is the main issue here? Getting finance? Not buying something that may be problematic to sell later on? Both? Something else?
Thanks! I should have been clearer - the surveyor we commissioned said the house was generally in good nick but the ceiling height was an issue. The vendors side provided an engineers very to say it was broadly in compliance (the extension) which our solicitor said would suffice. At the 11th hour our mortgage broker asked for a copy of the survey for the lender as the house is over 100 years old at which point he indicated we wouldn’t get a loan against that particular survey so advised to either get another survey OR pull out Laura together from sale given this could cause us a headache selling on in future which is our main concern. The estate agents when we indicated we were pulling out of sale have got another engineers opinion on ceiling which says he believes it is in compliance (on average given some of the room is over and some is under) and that he’s willing to provide that assessment to the lender and solicitor to save the sale.If it was me then I'd put vastly more stock in the surveyor's opinion than the estate agent's - given that the former should be an expert in this area while the latter probably isn't and has a vested interest in pushing the sale through come what may.
What is the main issue here? Getting finance? Not buying something that may be problematic to sell later on? Both? Something else?
Hi Laura,Thanks! I should have been clearer - the surveyor we commissioned said the house was generally in good nick but the ceiling height was an issue. The vendors side provided an engineers very to say it was broadly in compliance (the extension) which our solicitor said would suffice. At the 11th hour our mortgage broker asked for a copy of the survey for the lender as the house is over 100 years old at which point he indicated we wouldn’t get a loan against that particular survey so advised to either get another survey OR pull out Laura together from sale given this could cause us a headache selling on in future which is our main concern. The estate agents when we indicated we were pulling out of sale have got another engineers opinion on ceiling which says he believes it is in compliance (on average given some of the room is over and some is under) and that he’s willing to provide that assessment to the lender and solicitor to save the sale.
So this opens the possibility of being able to save the sale in terms of getting a loan but it’s shaken our confidence that we might be buying in to a problem down the road. From a technical perspective we’re looking to understand if ALL of the ceiling needs to meet the minimum height or MOST of the ceiling.
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