The House Hunt

What should I look for when viewing properties?

M +3

28 articles in this collection
Written by Sophia Guy-White, Evie, Mari-Liis Kanter and 3 others

Can I have a lodger?

We do not allow properties we lend against to be rented out, this includes having a lodger.

Written by Millie
Updated over a week ago

What do I need to consider when viewing properties?

Handy hints and tips to consider before falling in love with a property.

Written by Millie
Updated over a week ago

Mortgage in Principle

What is a mortgage in principle?

Also known as an agreement in principle or a decision in principle.

Written by Sophia Guy-White
Updated over a week ago

What do I do with my mortgage in principle?

I have a Mortgage in Principle, now what?

Written by Mari-Liis Kanter
Updated over a week ago

Property Criteria

What types of properties do you accept?

Properties come in all shapes, sizes and conditions. We would always need to carry out a property valuation when assessing your application.

Written by Sophia Guy-White
Updated this week

Can I get a mortgage on a property with a flat roof?

Yes, you can get a mortgage on a property with a flat roof. However, this will depend on the results of the property valuation.

Written by Sophia Guy-White
Updated over a week ago

Auction properties

Do you offer mortgages on auction properties?

Written by Sophia Guy-White
Updated this week

Renovation

What works can be done to the property?

Written by Millie
Updated over a week ago

Ex-council properties

Do you offer mortgages on ex-council properties?

Written by Sophia Guy-White
Updated over a week ago

Do you offer mortgages on probate properties?

We can offer mortgages on probate properties once probate has been granted.

Written by Sophia Guy-White
Updated over a week ago

I run a home business, can I apply?

Looking for a bigger office to work from home in?

Written by Connor
Updated over a week ago

New Builds

Getting a mortgage for a new build home

Things to keep in mind when purchasing a new build home.

Written by Sophia Guy-White
Updated over a week ago

Can my new build property still be valued if it isn't finished?

How you can move forward if you're buying an unfinished new build property.

Written by Evie
Updated over a week ago

Can I use the Help to Buy Equity Scheme, if I am already an income booster for someone else?

If you are already an income booster for someone this could be a possibility, and you would need to explore more with the Help to Buy agent.

Written by Alison
Updated over a week ago

What are new build warranties?

What they do and don't cover

Written by Sophia Guy-White
Updated over a week ago

Can warranties impact my mortgage application?

What warranties do Generation Home accept?

Written by Sophia Guy-White
Updated over a week ago

Freehold vs Leasehold

What are the differences between freehold and leasehold?

Most flats and maisonettes are leasehold, most houses are freehold but always double-check with your estate agent.

Written by Mari-Liis Kanter
Updated over a week ago

What is a service charge?

What do I need to know about service charges?

Written by Millie
Updated over a week ago

Lease extensions

What is a lease extension and what does this mean for your mortgage application?

Written by Millie
Updated over a week ago

Ground Rent

Another fee to pay?

Written by Connor
Updated over a week ago

Surveys

What are property surveys, and what do they include?

A survey is a detailed inspection of a property’s condition, intended to flag any problems such as unstable walls or faulty wiring.

Written by Millie
Updated over a week ago

What does a surveyor do?

What are they on the lookout for?

Written by Sophia Guy-White
Updated over a week ago

What is a revaluation?

Will I need another valuation?

Written by Connor
Updated over a week ago

How to raise a valuation appeal

I want to appeal my valuation, how do I do this?

Written by Sophia Guy-White
Updated over a week ago

What to do if your property is valued less than expected?

This is called a "down valuation".

Written by Millie
Updated over a week ago

Cladding

Cladding

Do you lend on properties with cladding?

Written by Connor
Updated over a week ago

EWS1 form

Do I need an EWS1 form?

Written by Connor
Updated over a week ago

Valuing a property with cladding

Why can cladding mean a valuation of £0?

Written by Sophia Guy-White
Updated over a week ago