Posted on 15 July 2013 by Owain
Hi, My son is interested in a Brick built semi, but the kitchen is in a wood built extention, and I have heard that it may cause an issue obtaining a mortgage, as it would be classed as a temporary structure. Is that true, and if so would it change the situation if the kitchen were moved into one of the main rooms within the brick structure, and the extention was used as a dining room? Thank you.
We have discussed this case with a mortage valuer and as far as they are concerned, the mere fact that there is a kitchen in a wood build extension should not be an issue. What will be taken into consideration is the actual scale of the extension comparing to the rest of the house. Also the style and nature of the property would also have to be acceptable to the lender, but on the basis that it would be, this would appear to be something that could be done.
If you'd like to discuss the rest of the case in more detail, then please let me know and I'll arrange a convenient time for you to seak to one of our consultants.
More than mortgages, talk to me about:
Financial Protection | Investments | Personal and Corporate Pensions | Home Insurance
General Insurance | Valuations | Conveyancing | Wills | Home finders
Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.
We recommend you seek professional advice with regard to any of these topics where appropriate.