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.

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Speak to a broker experienced with thatched homes