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  • Buy-to-Let

    Timber Frame - a no-no or the norm shortly?

    Looking to purchase a BTL/FHL; transpires is Timber-Framed?!

    Built circa 4 years ago.

    Any advise, pros-cons?

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    We have a timber framed house.

    Some lenders and insurance companies don't like them for some strange reason.  I would be interested to know why.  Ours is cladded in concrete weatherboarding that is very robust and does not require any maintenance.

    So my only bit of advice is to check in advance that your lender and insurance company have an appetite for this type of construction.  NatWest were a bit iffy about it at first, but agreed in the end.

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    Scotland has been building timber frame for decades with no issues.

    I have just (about) completed an 8 unit BTR timber frame construction.  No issues so far with arranging finance.

    Building will settle and some decorative cracks appear (normal and to be expected) but after 4 years it should be fine.

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    I just discovered via twitter, that the NHBC are running a webinar entitled "The complete guide to timber framed construction".

    NHBC webinars

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    Have a look at  this website - I don't know if they have an axe to grind but the page includes all the worries I would have about a timber frame. Timber frame rings the same alarm bells as steel frame for me.

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    Thanks for that link - it's a useful resource.  Here's a screenshot of the key issues surrounding timber-framed properties:


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    A new report into energy efficiency in homes is calling for sweeping changes in both new and existing homes.

    The UK Housing Fit for the Future report is set to have major implications for the entire residential property industry, including those who will be valuing and marketing homes in the future.

    The report in particular sounds a death knell for gas central heating.

    New homes, wherever possible, should be timber-framed and triple glazed, as well as have no gas.

    Full/source article

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    Timber frames now appear to be the norm for new builds in my area in NI. There was a bit of a stigma but I think that's changed. I bought my first timber frame built in the 80s a couple of months ago & its extremely warm. I did think twice but the new ones popping up everywhere gave me confidence. Only downside was that it was all drylined & wallpapered over - complete nightmare to remove after 30 years!

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    Hi guys,

    Wanted to ask has anyone bought a Timber Frame house?

    My issue was had 2 mortgage valuations rejected even though i placed a 33% deposit for the house. The third company accepted it after agreeing a 31 year lease instead of 25. I currently have started looking into completing the purchase but having some doubts. The house I am  buying i believe i am picking up £10,000 lower then its market value. 

    https://snag.gy/9JU4wZ.jpg - Here is picture of the property but all the homes have the same build.

    Do you think going forward in say 5 years time it will be difficult to sell on? What next steps can i take in the mean time, maybe a full house survey?

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    Mine was through a bank loan to ltd company so not traditional mortgage. However, you have managed to secure a mortgage so they must be satisfied its ok. Are you planning on renting it out ? Is it likely another landlord will purchase it from you? Can you check sales of the other houses to see if they had any problems/ask other local estate agents?

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    I manged to get it through the Santander - I plan to rent it out although it is currently being rented out by an existing tenant so there probably is no need to change.

    The mortgage company were fine but 2 other mortgage companies had initially rejected it. I though have not done a full survey which I am thinking of doing and have not spoke to any of the neighbours.

    My concern is on how difficult it maybe to sell on in a few years time.

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