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How Old Is A House Before It Stops Being A 'new Build'?


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#1 Crofter

Crofter

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Posted 03 May 2016 - 11:31 AM

Just asking this out of curiosity. The houses I have purchased with a mortgage have all been 30yrs+ old and as far as I can recall the bank never asked me for things like completion certificate, evidence of past warranties, etc. However I understand that when building or buying a new house these things are generally required. So at what point do the bank stop asking?

This is only of tangential interest to me really- the wee house I am building will not end up with a completion certificate (nor do I have a warranty) which doesn't matter just now as I am not borrowing against it. However it would be interesting if in some decades time I would actually be able to raise a mortgage on it, or sell it to someone looking to do that.