Prepare the file

Thatched properties

Thatch is a roof, not a mortgage product. The material, the condition and whether you can insure it are the practical facts.

Straw, water reed or another materialThe listing should say. If it does not, a surveyor can.
When the ridge was last doneA thatcher's invoice is better than a guess.
Chimney, wood burner and any fire precautions the insurer asked aboutInsurers ask. Bring their questions if you have a quote.
A buildings insurance quote, if you have oneIt is not a mortgage decision. It shows the roof is insurable in principle.
Whether the building is listedIf it is, use the listed building page as well.

What this page will not do

A thatch report is not a mortgage valuation.
Cost of a rethatch is a maintenance figure, not something this page will estimate.
It will not name a lender, a product, or an approval chance.

Questions

Do lenders refuse thatch?: Some properties are accepted and some are not. The roof condition and insurance are why you gather these papers.
Does listing change the thatch rules?: Listing adds consent for works. It does not replace the roof facts.

MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

These figures are illustrative.

An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.

Find a broker experienced with thatched homes