What does Cornish unit construction mean?
A Cornish Unit house is one of several thousand prefabricated houses built in the UK as a cheap housing solution after the Second World War. They were mainly built around Cornwall and Devon, hence their name. Cornish Unit houses were originally built as a temporary solution, but many are still around today.
Can you get a mortgage on a Cornish style house?
Cornish Units with brick walls to the ground floor have normally been re-built to an acceptable standard and can be mortgaged without any issues. Those that still have the concrete panelling are generally not mortgageable.
What are Cornish houses made of?
The Cornish Houses were made using small panel, lightweight Precast Reinforced Concrete structural elements and panels (PRC) fixed over a concrete frame for the first floor, with the second story utilising the mansard roof with near vertically clad tiles over timber trusses leading to a less steep upper pitch.
What is a PRC property?
Precast reinforced concrete (PRC) houses fall within the more general category of non-traditional housing. This means anything that is not a conventional brick or timber frame structure and includes steel frame, cast in situ concrete and PRC construction.
What does class B Mundic mean?
Grade B samples contain high levels of harmful minerals but with no current signs of deterioration, although prolonged periods of damp or exposure to moisture can accelerate deterioration. Homes classed as Grade B are seen as unsuited for mortgage lending.
How can you tell if a house is concrete?
Concrete system-built houses can be hard to identify. Many have been refurbished, with rendered finishes, new roofs and replacement windows, masking the characteristics of the original building. Chimney stacks built of concrete blocks sometimes are an indication that the house may be of concrete construction.
What is a Cornish home?
The Cornish House exemplifies traditional Craftsman style with the usage of many natural materials in its construction, such as brick, granite, stucco, wood, and clay tile. …
Can you get a mortgage without a PRC certificate?
This means that if you are interested in buying a PRC house, even if it has been repaired to the required standard, without a PRC certificate, getting a mortgage will prove tricky. Most mortgage lenders will accept these.
Do I need a PRC certificate?
PRC home owners, purchasers and/or investors, will be asked to provide PRC Certification if they wish to sell their property, purchase a property, release Equity or raise finance through Banks or Building Societies.
What is a Class C mundic?
The Mundic Block Screening Test The results are graded A – C. Grade A samples are free from harmful minerals and is potentially suitable for mortgage lending. Grade C samples show signs of Mundic decay and often need extensive repairs and are only suited to cash buyers of properties.