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Property/DIY

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does it need a working heating system to be mortgageable?

6 replies

54isanopendoor · 18/09/2022 12:06

friend viewed a property.
it has a kitchen & bathroom but needs work (unoccupied for 5 years due to probate issues & needs some internal plastering after a leak: nothing structural)
the heating system is obviously antiquated & sold as 'not working'.

does this rule it out for a mortgage?
(friend would have funds to put new system in immediately but would mort co take a retainer? do they still do that sort of thing?)

OP posts:
Geneticsbunny · 18/09/2022 14:01

Nope. You need a plumbed in toilet and something which could be described as a kitchen, ours was worktop with a sink, single kitchen cupboard and a microwave . We had some plug in oil heaters but no central heating. This was about 4 years ago.

Saz12 · 18/09/2022 16:00

As above!

667TheNeighbourOfTheBeast · 18/09/2022 16:01

No it wouldn’t need heating

Floralei · 19/09/2022 15:02

Wouldn’t have thought so - mine had no heating at all bar a condemned woodburner when we bought.

54isanopendoor · 19/09/2022 20:16

thanks all.
I don't know if the plumbing works.
would the bathroom / kitchen need proof of running water to be considered mortgageable?

OP posts:
Geneticsbunny · 20/09/2022 09:07

They didn't check ours but we were living in it so I guess it was obvious we had a water supply. If there is water supply to the property then it should be relatively quick to get it turned on. Unlikely that the pipes/taps won't work unless they have all been nicked.

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