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  • Buy-to-Let

    Cladding Queries

    Hi, 
    Firstly apologies if I have posted this in the wrong forum, I wasn’t sure where best to place it (Admin feel free to bump me to another topic page!)

    I wondered whether anyone can help? I have recently had a valuation in my flat at £0 due to the valuer wanting answers regarding the cladding in the building. They want confirmation that it isn’t combustible cladding which I find a bit odd given 5 properties have sold in the building in the last year.

    The MA’s of our building are very difficult to deal with and generally reluctant to provide any information. At the very minimum is there anything they should be able to provide me to confirm the cladding is not combustible or any ideas on how I can get the valuer confirmation of this?

    Thanks in advance
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    Was the cladding a retro-fit?

    If so you should be able to ascertain the cladding constituents from the firm who fitted it.

    I assume you are trying to remortgage the property?

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    Hi,
    Thanks for the response - Retro fit? I’m not sure I understand. The building is about 14 years old and the outer structure is in its original format.

    Yes that’s correct, it’s a remortgage on a BTL. I suspect I’ll need to go via the MA, is there anything I can expect from them at the least, do you know heather it should have been tested?

    Below is what the surveyors have said via the bank - “the external wall system may be of a combustible nature. The building owner/it’s agent, as the ‘responsible person’ under the Regulatory Reform (Fire Safety) Order 2005, should provide a statement post-dating 1 Jan 2019, from a suitably qualified professional who is a member of a professional body listed on the Ministry of Housing, Communities and Local Government, to confirm the building meets the requirements of current guidance from MHCLG.’
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    OK - so the cladding was installed at new build stage.

    Do your Deeds not show architects specifications for the build?

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    No they don’t unfortunately and  the agent has said that they don’t believe it’s combustive because the outer wall is made up of 2 types, a sheet metal and either clay or ceramic tiling - none of which are combustible (their words) therefore no requirement for testing. I’m not sure where this leaves me if that is their position?
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    Maybe you need to get an independent Fire Safety Inspection conducted for a definitive answer - though also speak to other owners who you say bought recently to see whether they had any mortgage issues.

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    Thanks - The agents wont allow that.

    Are you ware whether he Agents are obliged by law to conduct this testing, should it have been done?
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    You mean  M Agents will not allow a Fire Safety Inspection??

    Not sure how they could stop one as you clearly have access to building...

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    Is this a tower block - or a low rise with just 3 to 5 storeys?

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    But they will need access to properties that will give them access to the certain parts of the building, not all properties have that access including mine.

    It’s an 8th floor building.
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    I would have a chat with the Local Authority Building Control Department, they will have overseen the building was constructed in accordance with building regulations and should have issued a certificate of completion to that effect. They will have requested details on the fire resistance of the cladding, certifying that it complied with building regulations.

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