Will banks lend on a house with no kitchen or bathroom?

[almostautumn]

DH and I are hoping to move soon and have found an old house we love, but it’s in need of total refurbishment and is completely stripped out, with no kitchen or bathroom at all. Will banks lend a mortgage on this kind of property or do you have to be a cash buyer?

As an aside, I do wonder how properties get into this sort of state in the first place!

Possibly. When the executors of my Granny's estate sold her house, the mortgage from the buyers was initially declined as the house didn't have a proper indoor toilet. The only toilet was downstairs and connected to the house by a lean to conservatory.
They worked with the buyers to install a new bathroom to enable the sale to go through.

DP is a broker and says could be possible you need a self build mortgage if it's a complete renovation project. So yeah it's still possible to get a mortgage in these cases

I think a decent deposit will be needed right now. Money from lenders is tight.

We found out that no we couldn’t - mortgage lenders criteria were - bathroom, kitchen and a form of heating the property.

My last house had no kitchen when I moved in.

What you describe would be termed "uninhabitable", - if you're unable to raise the funds outright you'll need to get a Bridging Loan, which tides you over til you do have the kitchen and bathroom, then you get a regular mortgage at that point.
Bridging loans are often a bit more expensive and have a time limit.
www.onlinemortgageadvisor.co.uk/blog/mortgage-on-an-uninhabitable-property/

DH’s dad has developed houses like this before. (He’s an architect) He says he puts in a ‘kitchen’ (a plug in induction hob and cheapest possible sink) and a ‘bathroom’ (cheapest possible loo and sink) before the mortgage survey. Obviously it’s an outlay of a few hundred quid but worth it if the property is and you are sure.