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Green Building Bible, Fourth Edition
Green Building Bible, fourth edition (both books)
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    • CommentAuthorpulhamdown
    • CommentTimeApr 14th 2017
     
    I have recently built a timber frame house with SIPS, and an outer skin of renderboard and render/ larch cladding. Because I have not used brick, stone, or concrete blockwork, my house is classed as non standard construction by insurance, and mortgage companies. Given the recent collapsing walls of public buildings in Scotland built under the PFI framework, is brick / block construction still the gold standard? It is surely about time that finance industry woke up to the fact that there are various categories of non standard construction. I am currently lumped in with the system built houses of the 50s, with their corroding reinforcing bars, and crumbling concrete, and other less than successful experiments. Can anyone foresee any change on this front, which will bring the best of current building techniques into the "acceptable" category? Otherwise, quite a few of the best houses being built today will be unmortgageable, and out of reach to a large section of the buying public

    Colin
    •  
      CommentAuthornigel
    • CommentTimeApr 14th 2017
     
    I have experienced this before but its usually fairly easy to secure insurance and a mortgage on these properties its just you cannot use the standard online comparison sites.
    • CommentAuthoranth.payne
    • CommentTimeApr 14th 2017 edited
     
    Posted By: pulhamdownI have recently built a timber frame house with SIPS, and an outer skin of renderboard and render/ larch cladding. Because I have not used brick, stone, or concrete blockwork, my house is classed as non standard construction by insurance, and mortgage companies.


    I'm planning almost exactly the same thing... although probably the twinwall or std tf construction with some sort of renderboard and larch cladding mix. So that is a bit worrying for me.

    Are you saying you've been unable to secure a mortgage/insurance?
  1.  
    Insurance for my much less respectable 1940s timber bungalow was dead easy to acquire. Not a chance I'd get a mortgage on it yet though!
    • CommentAuthorDarylP
    • CommentTimeApr 14th 2017
     
    The scottish school problem was nothing to do with PFI :shocked: but inadequate on-site quality control (non-existant?).
    • CommentAuthoranth.payne
    • CommentTimeApr 14th 2017
     
    Plus, wasn't it the outer brick that collapsed :confused:
    • CommentAuthorpulhamdown
    • CommentTimeApr 14th 2017
     
    <blockquote><cite>Posted By: anth.payne</cite><blockquote><cite>Posted By: pulhamdown</cite>I have recently built a timber frame house with SIPS, and an outer skin of renderboard and render/ larch cladding. Because I have not used brick, stone, or concrete blockwork, my house is classed as non standard construction by insurance, and mortgage companies.</blockquote>


    Are you saying you've been unable to secure a mortgage/insurance?</blockquote>

    No. I'm lucky enough not to have needed to get a mortgage. But insurance was interesting. Direct Line happily accepted my money, but after some digging, and a couple of years, they finally admitted that they would not actually cover the house. I found insurance at around the same price at Towergate. But the ignorance of building methods at Insurers was staggering!

    Colin
    • CommentAuthorpulhamdown
    • CommentTimeApr 14th 2017
     
    <blockquote><cite>Posted By: DarylP</cite>The scottish school problem was nothing to do with PFI<img title=":shocked:" alt=":shocked:" src="/newforum/extensions/Vanillacons/smilies/standard/shocked.gif"></img>but inadequate on-site quality control (non-existant?).</blockquote>

    I think it has everything to do with PFI. Build the buildings at minimum expense, then charge the occupiers the maximum. Maximum profit.
    • CommentAuthorpulhamdown
    • CommentTimeApr 14th 2017
     
    <blockquote><cite>Posted By: anth.payne</cite>Plus, wasn't it the outer brick that collapsed<img title=":confused:" alt=":confused:" src="/newforum/extensions/Vanillacons/smilies/standard/confused.gif"></img></blockquote>

    Exactly. That is the part of my house that is " non standard" Had it been brick, it would be standard.

    Colin
    • CommentAuthoranth.payne
    • CommentTimeApr 14th 2017
     
    Posted By: pulhamdown
    Exactly. That is the part of my house that is " non standard" Had it been brick, it would be standard.

    Colin


    OK, perhaps I need to check into this then. I'd hoped to use renderboard for simplicity and speed, however if my mortgage hangs in the balance then I'd obviously go down outer block work... which is annoying as it will add another 100mm on the wall thickness :neutral:
    •  
      CommentAuthordjh
    • CommentTimeApr 14th 2017
     
    Posted By: anth.payneif my mortgage hangs in the balance

    If you're building something appropriate then the Ecology Building Society offers mortgages on unusual constructions, but I seem to remember they tightened their criteria so they will only lend on passivhaus standard dwellings at the moment (to help match the amount of money they have with the number wanting it). Insurance is not too much of a problem to find.
    • CommentAuthoranth.payne
    • CommentTimeApr 14th 2017
     
    Thanks djh, will look into Ecology BS.

    As far as I'm concerned mine is standard construction... a typical TF, although aiming towards PH.

    The only thing that may be considered non-standard would be the use of some sort of renderboard. Done a bit research and feedback is mixed... so is renderboard (or similar) really non-standard? I'm sure most of the main ones are BS certified? It seems like it's down to individual lenders?

    At the same time, I don't want to cause problem IF I did ever decide to sell in the future.
    • CommentAuthorringi
    • CommentTimeApr 14th 2017
     
    When the banks have more people wanting to take out mortgages then they have money, they just lend on buildings that don’t need thinking about, then happens every property cycle, so a lot depends on your timing with a none standard build.

    If there any anything “odd” about you, or what you will use the home for (rent it out for example or being self employed.) you have fewer lenders to choose from to begin with.

    It only takes a surveyor asking for additional information to result in a buyer pulling out, as most people don’t like taking risks with what they don’t understand. You will even lose buyers if the render board does not sound "solid" when someone taps on it....
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