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Share your dilemmas and get honest opinions from other Mumsnetters.

Would you buy a house like this?

60 replies

Pigletin · 16/02/2025 09:54

Posting in AIBU for traffic.

We have found our dream house in terms of budget, space, condition and location. The structural survey returned a couple of major things that concerned us:

  • Spray foam insulation on the roof which will cause a huge expense and potentially means replacing the roof (assuming the bank will give us a mortgage due to the type of insulation). We are prepared to split the cost of a new roof with the sellers and they are willing to do the work.
  • My husbands’ bigger worry is that it’s a timber frame house with an outer skin of bricks. The surveyor has no way of ascertaining the condition of the frame as it’s all hidden. The overall condition looks good from what you can actually see and the sellers seem to have taken good care of it in the 4 years since they’ve lived there. The house is 30 years old and we have read online that the usual span of life of these types of houses are 50-60 years.

This will be our forever house but is also an investment for our kids for when we are gone. We can potentially move out of the UK when we retire or downsize and would want the house to hold or appreciate in value (London) when sold. From what we read online it’s questionable whether this can happen with a timber frame house in another 20-30 years and people might be reluctant to buy it due to the above (essentially having similar concerns to ours). I know timber framed houses are the norm in many countries but they are built differently to the ones in the UK and there are disadvantages to the building process here. The reality is if we walk away and look elsewhere we will end up with a smaller house in a less ideal location.

Would you buy a house like this? Would the timber frame put you off considering we want it to keep or grow its value?

YABU - Stop worrying, buy your dream house.
YANBU - Walk away.

OP posts:
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Abitofalark · 16/02/2025 14:01

I'd run, not walk. Foam and all that. No thanks. How much are you paying for it? I wonder how price would compare with the value of my house which is pretty solid and has no problems with roof or anything.

pearbottomjeans · 16/02/2025 13:54

toomuchfaff · 16/02/2025 10:00

The house is 30 years old and we have read online that the usual span of life of these types of houses are 50-60 years.

So its got max 30 yrs left, and you want it forever AND to be an investment for the kids? Are you planning on dying next year? The math doesn't math

This 😄

I mean, these sellers obviously bought the house 4 years ago, so someone out there definitely would buy it (because they did). Probably more hassle than it’s worth though really, if you’re already worrying about it.

Whoarethoseguys · 16/02/2025 13:51

Are the mortgage company willing to give you a mortgage for it? If so I wouldn't be concerned about the timber frame. If not the I would definitely walk away as you wouldn't be able to sell it.
I think it would be sensible to investigate the timber frame though could you find out more about it and the actual expected life time of the house?

WithASpider · 16/02/2025 13:45

I live in a timber frame house built in 1978. I grew up on this estate. Neither my or my parents houses have had issues with the frame, nor have any of the others.

The most likely situation is that the mortar on the brick skin will crack, but this is easily sorted by getting the pointing redone.
The house itself is considerably warmer than a standard construction house because the frame has 5 layers of insulation in it.
We've never had an issue getting a mortgage either.

You've got an agreement for the roof, if the houses really had a lifespan as short as 50-60 years then that would be more of an issue for the mortgage company than anything else!

jeaux90 · 16/02/2025 13:00

Lots of people talking nonsense on here. Timber frame is fine, spray foam also fine as long as it's designed to enable the house to breathe with good ventilation.

Shakeyourbaublesandsmile · 16/02/2025 12:57

Having had extensive building work completed on our house recently the idea of the foam and timber - massive no

It’s the biggest purchase you make and for me is way to risky to not know about those two significant- the whole structure and roof are affected.

Superhansrantowindsor · 16/02/2025 12:54

Buy it if you love it but it isn’t a rock solid investment.
personally I’d walk away. I’d never feel totally at ease with it.

PeterPipper · 16/02/2025 12:54

I live in a timber framed house of the sort you describe - i.e. brick on the outside. I had no idea of the lifespan. We've lived here for 30 plus years and the house is probably 50 years old now. As are all houses on this estate. I can't imagine for one moment that it is likely to cause any issue any time soon. Plenty of houses is my street sell quickly and easily, so other buyers are not put off. As you have had a survey done, ask your surveyor how much longer he expects the timber frame to last.

No advice about the foam in the roof.

Jennyathemall · 16/02/2025 12:49

As others have said “timber frame” can mean anything, good or bad. You could have a rock solid oak frame under there or something shoddy. Only way you could tell is via research and physical inspection.
FYI if I win the lottery I’ll be building an oak frame dream home so don’t automatically think it’s something to worry about. Just something to clarify.

LlynTegid · 16/02/2025 12:49

Run a mile. Be glad you found out now.

Onejrmmrj · 16/02/2025 12:48

Pigletin · 16/02/2025 10:46

The property is built using traditional materials and techniques.
The external walls of the property are of timber frame construction, with an outer leaf of brick finish.
The roof is of pitched construction with a tiled covering.
The ground floor is built of concrete beam and block construction. The upper floor is built of suspended
timber construction.

This is what the survey says. I have just re-read it and it sounds like it is not a non-standard construction.

This is a standard modern construction and nothing to be concerned about. I don't know where you heard the 50 years figure, but it is incorrect. The house will have the same potential lifespan as any other house built in the same period.

Spray foam insulation on the other hand is a big concern. That alone would be enough for me to reject it.

ByQuaintAzureWasp · 16/02/2025 12:37

Yanbu

Sherararara · 16/02/2025 12:11

godmum56 · 16/02/2025 11:54

The other countries thing is a good point. Simply because they are all CALLED timber framed or brick and timber doesn't say anything about the methods used or the quality of the building materials....its like saying "cotton dress"

Glad to see someone understood my point.

Pigletin · 16/02/2025 12:00

Legaleagleplease · 16/02/2025 11:56

Based on what you have said you may be better off leaving this house as you will always have doubts.

However, timber framed houses are the majority of houses built today. This is the future of home building. If your doors and skirting boards are on the inside of the brick skin and last forever why wouldn’t the frame?

Without knowing the specifics of this house I would not ask the lenders as they simply want to make money out of you, nothing more. Can you ask a builder friend or call one up and pay him to do an appraisal, independent of the mortgage.

This is where getting a really good survey done is worth the money rather than the low cost home buyers report.

Thank you. It was through the Level 3 survey that we found out about the spray foam and the timber frame construction so yes money well spent. I think we need to do more research on the timber frame as it appears we are not that knowledgable on the topic.

OP posts:
Legaleagleplease · 16/02/2025 11:56

Pigletin · 16/02/2025 11:42

Yes we have read this online, it’s not on any official documents hence asking here for opinions. We will be talking to our lender on Monday and will see what they say.

Based on what you have said you may be better off leaving this house as you will always have doubts.

However, timber framed houses are the majority of houses built today. This is the future of home building. If your doors and skirting boards are on the inside of the brick skin and last forever why wouldn’t the frame?

Without knowing the specifics of this house I would not ask the lenders as they simply want to make money out of you, nothing more. Can you ask a builder friend or call one up and pay him to do an appraisal, independent of the mortgage.

This is where getting a really good survey done is worth the money rather than the low cost home buyers report.

godmum56 · 16/02/2025 11:54

Pigletin · 16/02/2025 11:51

Thank you for your comments, I think the point you are making that people here do not know what to make of it is the key for me. Again I think comparing to the way houses are build in other countries is not that useful so I was hoping to avoid it as stated in my OP but here we are.

The other countries thing is a good point. Simply because they are all CALLED timber framed or brick and timber doesn't say anything about the methods used or the quality of the building materials....its like saying "cotton dress"

Pigletin · 16/02/2025 11:51

Rainingalldayonmyhead · 16/02/2025 11:45

Some of what you said is true. I grew up in NA and like everyone else had a timber framed house (with brick at the bottom). The house is now 70+ years old and no issues. You can’t see rhe timber (what a strange thing to say) no would you be able to know about the condition of the wood as it’s covered (normally is siding). Weather is extreme - -10 in winter to plus 30 in summer so it knows how to take a beating. And it isn’t always cheaper to bulldoze and rebuild - again what a strange thing to say.

I wound suggest wood frame isn’t common here so people don’t know what to make of it but 100’s of millions of people have them around the world and don’t have issues . They normally are better insulated as well as the framing has space for insulation. Good luck.

Thank you for your comments, I think the point you are making that people here do not know what to make of it is the key for me. Again I think comparing to the way houses are build in other countries is not that useful so I was hoping to avoid it as stated in my OP but here we are.

OP posts:
Rainingalldayonmyhead · 16/02/2025 11:45

Pigletin · 16/02/2025 11:00

American houses are built with much thicker timber frames and the majority of the frame is exposed so you can actually spot any issues and remediate quickly. American houses (and Swedish houses too for that matter) are built completely different. Also if a house in the U.S. gets too old and is not well maintained it’s much easier to bulldoze and much cheaper to rebuild than a house in the U.K. Totally different situations and not sure the comparison is useful.

Some of what you said is true. I grew up in NA and like everyone else had a timber framed house (with brick at the bottom). The house is now 70+ years old and no issues. You can’t see rhe timber (what a strange thing to say) no would you be able to know about the condition of the wood as it’s covered (normally is siding). Weather is extreme - -10 in winter to plus 30 in summer so it knows how to take a beating. And it isn’t always cheaper to bulldoze and rebuild - again what a strange thing to say.

I wound suggest wood frame isn’t common here so people don’t know what to make of it but 100’s of millions of people have them around the world and don’t have issues . They normally are better insulated as well as the framing has space for insulation. Good luck.

Pigletin · 16/02/2025 11:42

AlpacaMittens · 16/02/2025 11:37

Oh! So the 50 years isn't in an official document from the builders or the construction company or whatever? It's just online? I was wondering where the 50 came from but thought it was non-standard construction maybe.

Have you checked with your lender to see if they'd lend on the house or if they have any concerns?

Yes we have read this online, it’s not on any official documents hence asking here for opinions. We will be talking to our lender on Monday and will see what they say.

OP posts:
Maggispice · 16/02/2025 11:41

Housing will never catch up with demand in England.
Mews were stables and now they’re pricey.
In decades most won’t own a home.

AlpacaMittens · 16/02/2025 11:37

Pigletin · 16/02/2025 10:35

We don’t know if the 50-60 year life span is correct, it is just what we read online. We want is our forever house but when we die we want the house to have kept its value and essentially mean that for us it’s also an investment for the kids (for after we die).

Oh! So the 50 years isn't in an official document from the builders or the construction company or whatever? It's just online? I was wondering where the 50 came from but thought it was non-standard construction maybe.

Have you checked with your lender to see if they'd lend on the house or if they have any concerns?

AlpacaMittens · 16/02/2025 11:32

Run, don't walk, away.

You answered your own question. You want this to be a good investment for your children when you're gone, but the house has a lifespan of 50 years. This means that in 20 years time you will have a very hard time selling it.

Pigletin · 16/02/2025 11:30

Mrsttcno1 · 16/02/2025 11:25

If I was in your position then for me the fact that I’m already concerned about the lifespan of this house would be enough to make it an immediate no. If I’m worried about it now then my buyers in 30 years are also going to be worried about it- more so with another 30 years on the clock- so it’s not a particularly safe investment.

Plus if this is a bit of a “unicorn” house, as in perfect location, perfect house and perfect price, and there is genuinely nothing else like it that you could afford, I’d have a real good think about WHY this one is affordable. It’s never for no reason. Plus the sellers wanting out after only 4 years, and agreeing to pay towards the roof, to me seems a bit like rats trying to get off the ship before it sinks.

It’s perfect for us…it doesn’t mean that location, budget and space is perfect for another family as it’s all very personal.

OP posts:
Pigletin · 16/02/2025 11:29

repellingmnvipers · 16/02/2025 11:27

Op- What is your current house frame made out of ?

Brick and block.

OP posts:
repellingmnvipers · 16/02/2025 11:27

Op- What is your current house frame made out of ?