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Surveyors reveal the damage caused to Victorian and Edwardian houses in the UK
There are over four million Victorian and Edwardian houses in the UK and many are crying out for some serious care and repair work, according to chartered surveyors. Buildings of Victorian and Edwardian age account for a disproportionately high number of the 'essential repairs' listed in mortgage valuations and survey reports, says the Royal Institution of Chartered Surveyors. One cause of problems arising today can be traced back to the Victorian builders who were not always averse to taking shortcuts and skimping on materials, with the result that ‘inherent defects’ developed in later life. Experienced surveyors will know how to identify common problems like damp, timber decay, and structural movement. But they will also know when not to worry, when apparent defects are not significant, according to a RICS qualified chartered surveyor Ian Rock. He pointed out that large numbers of homes of this era have suffered from a long term lack of maintenance. Worse, many old buildings have been subjected to inappropriate repair work, leading to a loss of valuable original features. ‘In some cases well intentioned repairs have had the effect of exacerbating the problems that they set out to solve. Works such as re-pointing and rendering in modern cement based materials, the use of plastic paints and the retrospective application of unnecessary damp proof treatments can all be detrimental to the health of such buildings, in time leading to accelerated decay and irreparable damage,’ he explained. The most inappropriate works commonly carried out on traditional buildings include replacing original good quality sash windows with inappropriate modern aluminium or PVC-U casements and stripping out original period doors. There is also unnecessarily injecting chemical damp proof courses or injecting them incompetently, and re-plastering or rendering main walls with cement based materials rather than traditional lime, thereby trapping damp in the walls. Damp, rot and beetle infestation is encouraged by blocking ventilation to floors and roofs, and by allowing high ground levels such as flower beds to build up against external walls. Removal of chimney breasts or load bearing internal spine walls without providing adequate support to the remaining masonry above can also cause damage. Others are neglecting badly eroded mortar joints to external masonry, allowing damp to penetrate and frost damage to occur and re-pointing walls with cement mortar that prevents walls from ‘breathing’, and re-pointing in visually dominant ‘show off’ styles such as protruding ‘weather struck’ pointing. RICS also points to botched repairs to flashings to stacks and roofs with short life materials such as self-adhesive tapes or mortar fillets and a failure to provide enhanced structural support to roof structures where original lightweight slate coverings have been replaced with heavier concrete tiles. Damage can also be caused to these old buildings by not lining old flues before lighting fires or using appliances, and failing to cap and ventilate disused flues as well as weakening floor joists with excessive cutting for cable and pipe runs. ‘RICS members have a pivotal role to… Continue reading
Growing disconnect between perception and reality for UK first time buyers, report suggests
The number of people buying their own home in the UK for the first time increased in 2014 but there is a growing disconnect between reality and perception of the market, new research suggests. According to the latest generation report from the Halifax improving economic conditions together with high profile government schemes such as Help to Buy, saw the highest amount of first time buyers purchase their first home for seven years. From a peak in 2006 of 402,800 first time buyers, numbers fell as low as 192,300 in 2008 before climbing back to 311,500 in 2014. Despite this the annual generation report found relatively little improvement in how potential first time buyers view their chances of getting on the housing ladder. The research also shows that 79% of 20 to 45 year olds believe banks don't want to lend to first time buyers, and 21% believe it is virtually impossible for first time buyers to obtain a mortgage. The Halifax says that there is clearly some work to do to dispel the myth that banks are averse to lending to first time buyers. And the proportion of people saving for a deposit has dropped 6% with some 43% currently saving to buy a property compared to 57% who are not. The lender says that this strengthens the view that more people may be giving up on owning their own home and are instead accepting renting as a viable way of living in a nice home, in an area they want to live in and in the right size of property. The Halifax also highlights the emergence of a new demographic split between those who want to get on the housing ladder and those who say they don’t at 13% in 2011 compared to 16% in 2015. The presumption that the UK is obsessed with home ownership may need revaluating and a lower level of home ownership may become the new normal, it adds. The research also shows that 53% think the Help to Buy scheme has had a positive impact, but 39% don’t know or are undecided and the three most cited barriers to home ownership among those who do not own a property are the size of the deposit for 57%, high property prices for 56% and low income for 53%. London has the lowest proportion of home owners aged 20 to 45 or 39% and the highest number of people in this age range who worry they will never own a home at 82% while non home owners are currently prepared to save for average of 5.35 years in order to save for a deposit whereas homeowners saved for an average of 3.6 years. The average amount that non home owners can afford to save each week is now £33.35 and 39% of 20 of 45 year olds are saving to buy two bed properties, split between flats and houses at 18% and 22% respectively. ‘This year’s report has… Continue reading
Almost a quarter of UK landlords entered the business accidentally
Some 24% of UK landlords, that’s around 360,000, came into the residential private rental market accidentally or unintentionally, new research has found. The National Landlords Association (NLA) survey asked landlords why they first entered the buy to let market and found that 11% were by chance such as inheriting property. It also found that 5% acquired an extra property such as when they met a spouse or partner, 5% intended to sell a property but experienced difficulties and 3% had to relocate for work, either home or abroad. Central London was found to have the highest proportion of accidental landlords at 31%, followed by Wales at 29% and then the East of England and Yorkshire, both with 27%. The North West had the least with just 15% claiming to have got into the business unintentionally. The research also found that 30% of 10 landlords with a single property only break even or make a loss. ‘The figures show that there are a significant number of people who find themselves as landlords without ever having really planned to enter the market,’ said Carolyn Uphill, NLA chairman. ‘It may be surprising to find that so many single property landlords struggle to make it work, but we often find that this is because so many simply don’t realise what they’re getting themselves into. While a buy to let property can provide a steady return, you’re in business to provide a home for someone else so you need to know your obligations and make sure that you have a plan to make a success of it all,’ she explained. She pointed out that all landlords can sign up to the NLA for free to see how the organisation can help make a success of their business. The NLA offers free best practice tenancy agreements and other sample forms and letters which may be needed during the life cycle of a tenancy. Alternatively, enlisting the help of a letting agent is an option if you prefer a more hands off approach but just make sure they are a member of a reputable trade organisation such as the Association of Lettings Agents,’ added Uphill. Continue reading




