My daughter's house has spray 泡，激怒すること insulation: Can she get new mortgage?

• e-mail

My daughter took out a mortgage two years ago with a 直す／買収する，八百長をするd 率 of 3.05 per cent.?This 取引，協定 is 予定 to end すぐに.?

We are worried because we discovered a problem that had not been 最高潮の場面d in the 調査する when my daughter bought the house.?

We recently decided to 任命する／導入する solar パネル盤s and 塀で囲む insulation, to make the home more energy efficient - but the 会社／堅い we 雇うd said they could not do the work because she had spray 泡，激怒すること insulation in the loft.?

Mortgage help: Our new 週刊誌 Navigate the Mortgage Maze column 星／主役にするs 仲買人 David Hollingworth answering your questions

The 初めの 調査する was done by the mortgage 貸す人 and there was no について言及する of this.?

?明らかに many?mortgage 貸す人s will not lend on 所有物／資産／財産s that have this 泡，激怒すること, so it could make the 所有物／資産／財産 hard to sell or remortgage.?

As her remortgage 最終期限 is approaching, we 恐れる she will be 軍隊d to stick with the same 貸す人 and かもしれない on an unfavourable 率.?

From what we have read online the only way to 修正する this 状況／情勢 is to 除去する the spray 泡，激怒すること at a 抱擁する cost.?What would you advise? 経由で email

SCROLL DOWN TO FIND OUT HOW TO ASK DAVID YOUR MORTGAGE QUESTION?

David Hollingworth replies:?When taking a mortgage there are essentially two elements to 満足させるing the 貸す人, before they can 問題／発行する a formal 申し込む／申し出.?

The first is that the borrower can me et the 貸す人's 必要物／必要条件s. The second element is that the 貸す人 will want to be sure that the 所有物／資産／財産 will be a suitable 安全 for the mortgage.?

This 確実にするs that the 所有物／資産／財産 is 価値（がある） what is 存在 paid for it, and that its structure and 条件 is in good order.

That 保護するs the 利益／興味 of the 貸す人 in 事例／患者 the borrower can't 会合，会う the 支払い（額）s, and the 所有物／資産／財産 最終的に ends up 存在 repossessed.?

Having the 所有物／資産／財産 valued gives the 貸す人 保証／確信 that they would be able to sell the 所有物／資産／財産 and 支払う／賃金 off the 優れた mortgage from the proceeds, if the worst did happen.

> What next for mortgage 率s and should you 直す／買収する，八百長をする??

Not all valuations are equal?

As part of the 使用／適用 過程 a 貸す人 will therefore order a valuation.?

In some 事例／患者s the borrower may have to 支払う／賃金 for this to be 行為／行うd, although plenty of mortgage 取引，協定s will 申し込む／申し出 incentives in the form of a 解放する／自由な basic valuation.

The basic valuation will be for the 貸す人's 目的s only, and is not an in-depth 報告（する）／憶測.?

It may 旗 any obvious and major 問題／発行するs which could 潜在的に help a 買い手, but it is not designed to 保護する the 利益／興味s of the 買い手.?

A valuation may not even always be a physical 査察 of the 所有物／資産／財産.?

Although it's more likely on a 購入（する） than a remortgage, it is possible in 確かな circumstances that a 貸す人 will rely on an 自動化するd valuation or a '運動-by' valuation, where the valuer visits, but doesn't 接近 the 所有物／資産／財産.

It's therefore 一般に advisable for the 買い手 to （売買）手数料，委託（する）／委員会／権限 a second, more in-depth 報告（する）／憶測, whether that is a home 買い手's 報告（する）／憶測 or a 十分な 構造上の 調査する.?

The mortgage 貸す人 may have 申し込む／申し出d an 選択 or 示唆するd 教えるing a 調査する 分かれて.?

Both will be more expensive than a basic valuation, but will 準備する a more 詳細（に述べる）d 報告（する）／憶測 to 旗 可能性のある 問題／発行するs to the 買い手.?

That can be a cost 井戸／弁護士席 価値（がある） 支払う／賃金ing, as it could 避ける surprises その上の 負かす／撃墜する the line and help understand any likely 維持／整備 必要物／必要条件s.

> Check how much would you would 支払う／賃金 with our best mortgage 率s calculator?

In-depth: Mortgage 貸す人s' 調査するs don't always 伴う／関わる someone entering the 所有物／資産／財産, so home 買い手s are advised to get a second, more 詳細（に述べる）d 報告（する）／憶測?

What's the problem with spray 泡，激怒すること insulation?

Energy efficiency is 明確に high on your daughter's 優先 名簿（に載せる）／表（にあげる）.?

Spray 泡，激怒すること insulation is ーするつもりであるd to help 改善する the energy efficiency of the 所有物／資産／財産, a 肯定的な thing in this period of higher energy costs.

However, spray 泡，激怒すること can 潜在的に 原因（となる） problems for a 所有物／資産／財産 if it 罠（にかける）s condensation in the roof space.?

This is of course more likely where it's been incorrectly 任命する／導入するd, and can 最終的に result in the roof 木材／素質s beginning to rot if the roof can't breathe 適切に.

As a result, 貸す人s may not be keen to lend where it's 現在の.?

That may be 特に true if the 木材／素質s have been 完全に encapsulated in the 泡，激怒すること.?

There may even be occasions where 泡，激怒すること is used in an 試みる／企てる to 長引かせる the life of a failing roof.

However, not all 貸す人s would やむを得ず 支配する out lending where spray 泡，激怒すること is 現在の.?

They will want the valuer to 査定する／（税金などを）課す the 使用／適用 of the 泡，激怒すること, and whether it could 衝撃 the roof's 構造上の 正直さ.

It will help if your daughter has any certification of the work, along with any warranty that was 問題／発行するd at the point of 取り付け・設備.

Some 貸す人s will 簡単に rely on the comments of the valuer in deciding whether to lend, 反して others could be more 黒人／ボイコット and white about their 期待.?

Your roof needs to breathe: Spray 泡，激怒すること can lead to rotting roof 木材／素質s if it 罠（にかける）s condensation

It can be difficult for a valuer to 査定する／（税金などを）課す the structure of the roof, so there may be a need for a specialist 報告（する）／憶測.

This may not 提起する／ポーズをとる an 問題／発行する for remortgage, when an 使用／適用 is ありそうもない to ask about spray 泡，激怒すること and there may not even be a physical valuation.?

Alternatively, your daughter may switch 率s with her 存在するing 貸す人 which would not 要求する any valuation.

< div class="money item html_snippet module" data-channel-color="money">