We're 3 months into selling our home. The buyers had a Level 2 Survey six weeks ago. The Surveyor said 'no major concerns' to us as he left.
We noticed an external crack <3mm in 2022, got a Structural Engineer to inspect it. He found it (in his words) not structurally detrimental and unlikely to progress to be of structural significance and that the degree of movement that has occurred overall is within structurally acceptable limits.
They said monitor it, which we have done, and have found no change.
We gave this report to our Solicitor and Estate Agents early on for full transparency. We told our Solicitor that we are willing to get the crack repaired, as we should have done. They didn't reply. Asked again, no reply.
I mentioned the Structural Engineer's report to our buyers' Surveyor when he came and he agreed that the crack was historic.
We are due to exchange in 2 days and I just had a call from the Estate Agent to say that the Buyer's Solicitor has declared the crack to the lender, who has refused to lend without a new structural report.
The Estate Agent said the lender didn't specify what kind of report, so he will tell the buyers to get a full structural survey from one of their recommended Structural Engineers.
How has happened this late in the day? I find it hard to believe that a major bank would be vague about what report they want, too.
We're in the middle of a chain of 3 and our sellers are chomping at the bit to exchange.
Should we be asking exactly what the lender wants? Anyone else been in this position and how did it pan out?
Communication with this sale has been so frustrating and slow and the stress is becoming unbearable.
Thanks