{"id":137254,"date":"2023-06-05T13:00:20","date_gmt":"2023-06-05T06:00:20","guid":{"rendered":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/we-cant-get-a-mortgage-to-help-us-buy-a-listed-property-should-we-find-another-way\/"},"modified":"2023-06-05T13:21:24","modified_gmt":"2023-06-05T06:21:24","slug":"we-cant-get-a-mortgage-to-help-us-buy-a-listed-property-should-we-find-another-way","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/we-cant-get-a-mortgage-to-help-us-buy-a-listed-property-should-we-find-another-way\/","title":{"rendered":"We can\u2019t get a mortgage to help us buy a listed property. Should we find another way?"},"content":{"rendered":"


\nThe seller failed to get conversion warranty but bought retrospective one, while broker suggested secured loan to usQ My husband and I have recently sold our first home in the south-east and now have \u00a3300,000 in our bank account. We would like to buy a beautiful property farther north for the agreed price of \u00a3380,000. It is a three-bedroom flat that is over two floors in the top half of a Georgian house (it includes an attic conversion) with its own private entrance. However, there are complications: first, it is Grade I-listed; second, it seems the seller, who converted it from one single non-domestic building to three separate properties (there is a flat and a proposed cafe downstairs), failed to get a conversion warranty (he didn\u2019t know this was required).The first bank we approached (for an \u00a380,000 mortgage) said the property was not mortgageable because of the lack of the conversion warranty (apparently the fact that the seller bought the property more than 10 years ago and has been converting it without living in it means that the warranty is required). The seller then bought a retrospective warranty, and we approached a mortgage broker. However, the mortgage broker has been unable to find a lender who will consider the property mortgageable: some lenders are happy with a Grade I-listed property, some are happy with a retrospective warranty but none, it seems, are happy with both. Continue reading…
\n
\nSource : theguardian.com
\nRead more…We can\u2019t get a mortgage to help us buy a listed property. Should we find another way?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

The seller failed to get conversion warranty but bought retrospective one, while broker suggested secured...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-137254","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-zHM","jetpack-related-posts":[{"id":114780,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/class-conversion-chefs-schoolhouse-home-is-a-feast-for-your-eyes\/","url_meta":{"origin":137254,"position":0},"title":"Class conversion: chef\u2019s schoolhouse home is a feast for your eyes","date":"March 7, 2020","format":false,"excerpt":"\r Food writer Anna Barnett\u2019s black-and-white flat in an old Victorian school is an exercise in good taste and clever designA few years ago, cook, food writer and podcaster Anna Barnett was doing pop-up restaurants and supper clubs in east London. There were endless courses and the venue logistics were\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":100911,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/150-whistler-grand-units-sold-at-launch\/","url_meta":{"origin":137254,"position":1},"title":"150 Whistler Grand units sold at launch","date":"November 5, 2018","format":false,"excerpt":"\r Artist\u2019s impression of the condo gym at Whistler Grand. With many of the units priced below $1 million, Whistler Grand condo in West Coast Vale moved 150 of the 240 units launched as of 5pm on 3 November, reported the Straits Times. City Developments Limited (CDL) head of property\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":74630,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/generation-rent-why-ill-never-live-in-a-custom-designed-barn-conversion\/","url_meta":{"origin":137254,"position":2},"title":"Generation rent: why I\u2019ll never live in a custom-designed barn conversion","date":"December 15, 2017","format":false,"excerpt":"\r In some homes, it is possible to stay warm without spending a fortuneWhen I wake up, the first thing I\u00a0do is touch my nose. My face is the only part of my body left exposed throughout the night, and the nose acts as my thermometer. 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Henderson Land would consider buying land in good locations from tender regardless of the economy,\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":162607,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/moiselle-chairman-sells-mid-levels-flat-for-us10-5-million-amid-upturn\/","url_meta":{"origin":137254,"position":4},"title":"Moiselle chairman sells Mid-Levels flat for US$10.5 million amid upturn","date":"October 14, 2025","format":false,"excerpt":"\r The chairman of Hong Kong-listed women\u2019s apparel retailer Moiselle International Holdings sold a property last week, the latest in a slew of disposals over the past few months amid a gradual improvement in the city\u2019s residential market. A 2,429 sq ft four-bedroom flat in Tregunter Tower in Mid-Levels was\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":170516,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/flats-for-sale-in-england-with-outside-space-in-pictures\/","url_meta":{"origin":137254,"position":5},"title":"Flats for sale in England with outside space \u2013 in pictures","date":"February 6, 2026","format":false,"excerpt":"\r From a Victorian conversion in London to a flat in a Southport townhouse with beaches on the doorstep Continue reading...\r \r Source : theguardian.com\r Read more...Flats for sale in England with outside space \u2013 in pictures","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/137254"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=137254"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/137254\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=137254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=137254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=137254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}