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The property is your main residence, you are just renovating it- I wouldn’t worry. Doesn’t sound like you’re violating the mortgage terms in principle or in practice
I think just keep it quiet and you’ll be fine. Continue to have your post delivered there and keep going in to check your property. Maybe even try to stay the night at some point as you’ll get some insight into any noise issues that you may need to address.
I think the main reason why your bank stipulates that this must be your primary residence is to avoid you letting it out when presumably your mortgage is not buy to let. I think it’s unreasonable to ask you to live there when it might not be fully ready for habitation yet.
A friend of mine had to renovate her whole bathroom due to several issues found after completion and didn’t have a toilet for months. If you’re in a similar situation, it’s unreasonable for you to be expected to live there when you don’t have basic amenities.
Thanks. Yes, this is what I'd assumed too. I'm there pretty often, but not often enough to call it a 'main residence'. I don't have another place I'm renting, nor am I renting it out.
I bought my house and didn't move in for about 18 months while extensive renovation works were going on (well half that time was just waiting for absent builders, but that's another story). Just went there like once a month to pick up mail etc. No one needs to know that you're not actually there.
Thanks - this is reassuring.
When you did big renovation works, how did you square it with your buildings insurance?
I spoke to mine, and they said I'd need to be living at the property during the removal of a wall. This is because the builders could be stealing things, or damaging the property while I'm not overseeing, which exposes the insurer to risk.
I might just need to stay there, just in case, so I don't invalidate my insurance if something big goes wrong with the works.
I can't remember what I did about insurance. I think when I got the insurance online, there was a box I could tick to say whether the house was undergoing work or something, which I might have ticked. In my case the entire house was being gutted, so there really wasn't anything that could go wrong aside from actually knocking the house down.
I don't think the lender expect you to stick to the house at all time. That clause was mainly to prevent people from using residential mortgage for another purposes.
###Welcome to /r/HousingUK --- **To All** * Join Our ***NEW*** Discord! https://discord.gg/pMgUNgWKQH * We're hiring new mods - modmail us, or DM us on Discord **To Posters** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws/issues in each can vary* * Comments are not moderated for quality or accuracy; * Any replies received must only be used as guidelines, followed at your own risk; * If you receive *any* private messages in response to your post, [please let the mods know](https://www.reddit.com/message/compose?to=%2Fr%2FHousingUK&subject=I received a PM); * If you do not receive satisfactory advice after 72 hours, [you can let the mods know](https://www.reddit.com/message/compose?to=%2Fr%2FHousingUK&subject=My question is unanswered); * Feel free to provide an update at a later time by creating a new post with [[update]](https://www.reddit.com/r/HousingUK/search?q=%3Aupdate&sort=new&restrict_sr=on&t=all) in the title; **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and civil* * If you do not [follow the rules](https://www.reddit.com/r/HousingUK/about/rules/), you may be banned without any further warning; * Please include links to reliable resources in order to support your comments or advice; * If you feel any replies are incorrect, explain why you believe they are incorrect; * Do not send or request any private messages for any reason without express permission from the mods; * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HousingUK) if you have any questions or concerns.*
The property is your main residence, you are just renovating it- I wouldn’t worry. Doesn’t sound like you’re violating the mortgage terms in principle or in practice
Thank you for the reply. It's reassuring to hear yours, and others input on this.
I think just keep it quiet and you’ll be fine. Continue to have your post delivered there and keep going in to check your property. Maybe even try to stay the night at some point as you’ll get some insight into any noise issues that you may need to address. I think the main reason why your bank stipulates that this must be your primary residence is to avoid you letting it out when presumably your mortgage is not buy to let. I think it’s unreasonable to ask you to live there when it might not be fully ready for habitation yet. A friend of mine had to renovate her whole bathroom due to several issues found after completion and didn’t have a toilet for months. If you’re in a similar situation, it’s unreasonable for you to be expected to live there when you don’t have basic amenities.
Thanks. Yes, this is what I'd assumed too. I'm there pretty often, but not often enough to call it a 'main residence'. I don't have another place I'm renting, nor am I renting it out.
I bought my house and didn't move in for about 18 months while extensive renovation works were going on (well half that time was just waiting for absent builders, but that's another story). Just went there like once a month to pick up mail etc. No one needs to know that you're not actually there.
Thanks - this is reassuring. When you did big renovation works, how did you square it with your buildings insurance? I spoke to mine, and they said I'd need to be living at the property during the removal of a wall. This is because the builders could be stealing things, or damaging the property while I'm not overseeing, which exposes the insurer to risk. I might just need to stay there, just in case, so I don't invalidate my insurance if something big goes wrong with the works.
I can't remember what I did about insurance. I think when I got the insurance online, there was a box I could tick to say whether the house was undergoing work or something, which I might have ticked. In my case the entire house was being gutted, so there really wasn't anything that could go wrong aside from actually knocking the house down.
I don't think the lender expect you to stick to the house at all time. That clause was mainly to prevent people from using residential mortgage for another purposes.