Cashback Remortgages · Property checks
Building Safety and Your Mortgage
Building-safety concerns, particularly around cladding on some flats, can affect mortgage availability. Lenders may ask for safety information before lending.
Why it matters
Some flats in taller or multi-occupancy buildings have faced questions over external wall safety, affecting valuations and lending. Lenders may request an assessment (such as an EWS1 form) where relevant.
The position has evolved with government and industry measures.
What to check
Ask early whether the building has the relevant safety information and whether remediation is planned or complete. This affects both mortgageability and any service-charge liability.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.