Listed Property

Listed properties are a treasured piece of UK history, and need to be treated with respect. However, the owners of these properties have a multitude of responsibilities to uphold, and often specialist home insurance is not in the forefront of their minds. The reality is that insurance of a listed property is of paramount importance.

The cost of rebuilding a listed property is often much greater than that of a standard home. Ensuring that the integrity and historical features are reinstated can be expensive, as specialist tradesmen are sourced to use traditional building methods that conform to local authority requirements. Therefore, it is vital that the buildings section of a policy is going to cover all of these costs.

It often takes longer to restore a listed building, with more detailed building work and the need to keep planners aware of progress.  The amount of cover given for alternative accommodation costs whilst your home is transformed to its former glory becomes an important issue.

John Charcol Independent Insurance Brokers has access to a specialist policy which provides cover against costs incurred if the property has been altered or extended by a previous owner, who did not abide by the local authority regulations, and you are obliged to return the property to its original form.

A standard home insurance policy doesn’t take these things into consideration. Having a specialist listed property insurance policy means that you can enjoy the history of your home without worrying about ‘what if’.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.