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Green Building Bible, Fourth Edition
Green Building Bible, fourth edition (both books)
These two books are the perfect starting place to help you get to grips with one of the most vitally important aspects of our society - our homes and living environment.

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Building Regulations and Standards: Passiv Haus Development

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    • CommentAuthortony
    • CommentTimeAug 11th 2019
     
    I can’t see a problem with it not being masonry skinned, there are lots of homes that are clad in all sorts of different things.

    I can see a mortgage company not liking non mainstream or even wooden claddings
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    We struggled a little when getting ours approved due to the Cross-Laminated Timber frame.

    Mortgage was with Ecology (who were fine with everything), but the problem came from the surveyor who just wasn't aware of what it was and couldn't be bothered to do any research. No one ever questioned the timber cladding route but this was pre-Grenfell so I suppose their standard form of questions may have changed.

    The surveyor mentioned the 'Council of Mortgage Lenders' and implied they have a list of approved materials. I've never managed to find it, and in the end the whole issue went away, but it might be worth having a read of this:

    https://www.cml.org.uk/lenders-handbook/
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      CommentAuthordjh
    • CommentTimeAug 13th 2019
     
    I just had a quick look through Nationwide's version of that handbook and noticed one other interesting tidbit. They require that the borrower is able to insure the building at normal rates before they will grant a mortgage. So that's one other thing to look out for.

    I don't think there is a list of approved materials. I think each lender takes individual decisions about what they will or won't lend on. Some materials may well be more popular/widely acceptable than others, of course.

    As before, I think the best plan is to talk to a local mortgage broker.

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