Hi,

I wasn't sure which NewsGroup to put this in so I have placed it in both.

My next door neighbour has applied to purchase her council house. Everything
was going great until yesterday when the mortgage adviser from the right to
buy agents turned up and told her that she could not have a mortgage because
the house was of duo clad construction.

Question is, is duo clad construction the name given to the fact that the
house is constructed of breeze block inside then plastered and built of
breeze block on the outside with a covering of concrete and a cavity between
the two breeze block walls. ?

If this is the case, can anyone shed any rules or regs that say mortgages
are not allowed for this type of property and also, what does it mean in
terms of insuring said property.

I know mortgages are hard to come by but not impossible for houses made from
orlite. I think that is how it is spelled.


--
the_constructor

On Sat, 16 Dec 2006 22:51:58 -0000 The_constructor wrote :
My next door neighbour has applied to purchase her council house.
Everything was going great until yesterday when the mortgage adviser
from the right to buy agents turned up and told her that she could not
have a mortgage because the house was of duo clad construction.

Question is, is duo clad construction the name given to the fact that
the house is constructed of breeze block inside then plastered and
built of breeze block on the outside with a covering of concrete and
a cavity between the two breeze block walls. ?

It sounds like the house is built using one of the post-war
prefabricated systems, not block/block cavity walls.

If this is the case, can anyone shed any rules or regs that say
mortgages are not allowed for this type of property and also, what
does it mean in terms of insuring said property.

It's up to each lender to decide what they will lend on

I know mortgages are hard to come by but not impossible for houses
made from orlite. I think that is how it is spelled.

Right - you probably mean Orlit: type this into Google for more
information.

--
Tony Bryer SDA UK 'Software to build on' http://www.sda.co.uk

" Everything was going great until yesterday when the mortgage adviser from
the right to
buy agents turned up..........."

You do realise that, apart from mortgage advisory, pretty much everything
those companies do is available for free by your local authority?
I remember one particular compnay (I think called Diamond) who charges
£3000+ for the councils free service!

"Karen" wrote in message
.uk...
" Everything was going great until yesterday when the mortgage adviser
from the right to
buy agents turned up..........."

You do realise that, apart from mortgage advisory, pretty much everything
those companies do is available for free by your local authority?
I remember one particular compnay (I think called Diamond) who charges
£3000+ for the councils free service!


Oh yes, I realise this and pointed it out to her at the very start, but you
know what some people are like.... !
--
the_constructor

"Tony Bryer" wrote in message
...
On Sat, 16 Dec 2006 22:51:58 -0000 The_constructor wrote :
My next door neighbour has applied to purchase her council house.
Everything was going great until yesterday when the mortgage adviser
from the right to buy agents turned up and told her that she could not
have a mortgage because the house was of duo clad construction.

Question is, is duo clad construction the name given to the fact that
the house is constructed of breeze block inside then plastered and
built of breeze block on the outside with a covering of concrete and
a cavity between the two breeze block walls. ?

It sounds like the house is built using one of the post-war
prefabricated systems, not block/block cavity walls.


The walls are definitely breeze block on the inside and breeze block on the
outside with cavity in the middle. I know because I sank a couple of 20
plastic conduit tubes into my wall for a plug socket. I don't like capping
because if anything goes wrong, you usually have to chisel wall out again
and using plastic conduit, you can just pull new cables through.
By the way, it was a case of 10 mins to chisel wall and 9 hours to clean all
the mess up. The dust got literally everywhere.
--
the_constructor













If this is the case, can anyone shed any rules or regs that say
mortgages are not allowed for this type of property and also, what
does it mean in terms of insuring said property.

It's up to each lender to decide what they will lend on

I know mortgages are hard to come by but not impossible for houses
made from orlite. I think that is how it is spelled.

Right - you probably mean Orlit: type this into Google for more
information.

--
Tony Bryer SDA UK 'Software to build on' http://www.sda.co.uk

the_constructor wrote:


"Tony Bryer" wrote in message
...
On Sat, 16 Dec 2006 22:51:58 -0000 The_constructor wrote :
My next door neighbour has applied to purchase her council house.
Everything was going great until yesterday when the mortgage
adviser from the right to buy agents turned up and told her that
she could not have a mortgage because the house was of duo clad
construction.

Question is, is duo clad construction the name given to the fact
that the house is constructed of breeze block inside then
plastered and built of breeze block on the outside with a
covering of concrete and a cavity between the two breeze block
walls. ?

It sounds like the house is built using one of the post-war
prefabricated systems, not block/block cavity walls.


The walls are definitely breeze block on the inside and breeze block
on the outside with cavity in the middle. I know because I sank a
couple of 20 plastic conduit tubes into my wall for a plug socket. I
don't like capping because if anything goes wrong, you usually have
to chisel wall out again and using plastic conduit, you can just pull
new cables through. By the way, it was a case of 10 mins to chisel
wall and 9 hours to clean all the mess up. The dust got literally
everywhere.


clinker block , bloody awful stuff

been in the industry 30 years and have never heard that term used
before

i would get you neighbour to get a second opininon

--

the_constructor wrote:
Hi,

I wasn't sure which NewsGroup to put this in so I have placed it in
both.
My next door neighbour has applied to purchase her council house.
Everything was going great until yesterday when the mortgage adviser
from the right to buy agents turned up and told her that she could
not have a mortgage because the house was of duo clad construction.

Question is, is duo clad construction the name given to the fact that
the house is constructed of breeze block inside then plastered and
built of breeze block on the outside with a covering of concrete and
a cavity between the two breeze block walls. ?


No, that's just called a normal cavity walled house, the internal and
external walls can be made of bricks, blocks or a combination of both, all
are standard consctucts and are permitted by building regulations, even
today.

If this is the case, can anyone shed any rules or regs that say
mortgages are not allowed for this type of property and also, what
does it mean in terms of insuring said property.

I know mortgages are hard to come by but not impossible for houses
made from orlite. I think that is how it is spelled.

Someone's crossed wires somewhere, the term 'duo clad construction' is not
recognised by google, meaning it's made up.

someone will lend her money on it.../most/ mortgage companies are loath to
lend money on 'non standard' constructed houses, while other specialise in
them, she'll have to do some googling herself...she can start he

http://snipurl.com/154r2