Buying a house with land

[Housemare]

And having a nightmare!
Has anyone done this?
Mortgage companies are happy to lend the amount we wish to borrow to us but are all twitchy about the property we are buying as it has land, stables and a menage set down a track behind the house. And is on two title deeds.

Does anyone have a similar experience and can reccommend a good mortgage lender or broker?

Many thanks in advance.

Usually a mortgage lender won't be twitchy about land being in two titles - as long as they are completely clear what is to be included under the mortgage and their valuation is satisfactory to them. Could only think they may have an issue if they think you might be using the stables etc as a business and should therefore get a commercial mortgage.

Probably best if you go to an independent mortgage broker and make sure the lender know exactly what you are intending to buy and have the mortgage secured over.

HTH.

We have done this. We split the title into three, land, house and stables. We used first direct when we remortgaged but it took a lot of explaining to them as it's that bit more complicated..

Thank you! yes, it's the thinking it will be run as a business that is putting them off but we are looking into commercial mortgages too.

I will phone first Direct - thank you!