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  1. I am a 1st time buyer and have recently started to purchase a 1930s maisonette. We started to get our mortgage together and got to the point of having the mortgage valuation survey done. It came back and to our surprise they claimed it was a new build!... out IFA double checked this but the mortgage companies surveyors are sticking by their guns as the property had a lick of paint in each room, new carpets, a bathroom and kitchen fitted whilst no one was in residents there. This has meant that our original mortgage is now null and void as new build properties can only have a max 75% mortgage according to the our original proposed lender which we were not offering (not far off, but no cigar!).... we can get another mortgage but this means that things will be much tighter than is comfortable (we will need to borrow more from our family and have less income spare for essentials each month) and as I have a young family to support and the property is clearly not a new build and has just had what anybody moving in would renovate I find it completely ridiculous that they are doing this! Is there a loop hole a can get through to get our original mortgage?!... can we go on a tracker mortgage for a period of time and then fix after a while when the bits and pieces they say have made it a new build have aged so their claims are negated? Any advice welcome as we need to go quickly with this!! Thank you!!!!!
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