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Combustible cladding: the nightmare continues...

Written by: Mary-Anne Bowring 03/09/2020
  979       0
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New Housing Minister Faces Immediate Challenges

Last Thursday, new Housing Minister Christopher Pincher tweeted his excitement about his appointment. However, he was immediately flooded with messages from flat owners and campaign groups struggling with unresolved cladding issues.

Pincher had previously written a blog post in 2017 in response to the construction-to-begin-under-1225m-government-contract--'>construction-to-begin-under-1225m-government-contract--'>Grenfell tragedy, suggesting he understands the dangers of unsafe cladding. However, as Mary-Anne Bowring, Ringley Group MD, explains, the issue has now expanded beyond cladding alone. The External Wall System (EWS1) form now requires a full assessment of all components, including:

  • Cladding
  • Brackets
  • Fixings
  • Insulation behind the walls

Lenders Take Different Approaches to Mortgage Applications

Adding to the frustration, the press reported that lenders are now refusing mortgages on flats in buildings below 18 metres. Last month, Housing Secretary Robert Jenrick announced fire safety changes, consolidating all fire safety advice into a single guidance note. This document states that building owners must assess and manage fire risks, regardless of building height. During a Parliamentary session, Jenrick highlighted the lack of focus on buildings under 18 metres, urging further review. Lenders responded quickly, now requiring further fire safety assessments for lower-rise buildings, leaving many flat owners unable to sell or secure a mortgage.

The Growing Impact on Flat Owners

Lenders are acting to protect their own financial interests, refusing to finance homes that could be deemed unsafe. While this is understandable from a business perspective, it offers no comfort to:

  • Flat owners who cannot sell their homes
  • First-time buyers who cannot afford a house and see flats as their only option

The Urgent Need for Government Action

The situation is escalating, and swift action is required. The message to Christopher Pincher is clear:

  • More funding is needed to support building remediation
  • Processes must be accelerated to prevent further delays

The Wider Impact on the Housing Market

More than 4 million households live in flats across the UK. If these transactions remain stalled due to cladding and fire safety issues, the impact will ripple through the entire housing market, potentially triggering:

  • Falling property values
  • Reduced housing supply
  • A new housing crisis

New Housing Minister Faces Cladding Crisis and Growing Market Challenges

New Housing Minister Christopher Pincher is stepping into a role marked by immediate challenges, including unresolved cladding issues and the rising impact on flat owners. Despite understanding the dangers of unsafe cladding, the situation has escalated to include broader fire safety concerns, with lenders now refusing mortgages on flats under 18 metres. This has left many flat owners unable to sell or secure financing, deepening the housing crisis. With over 4 million households in flats, swift government action and increased funding for building remediation are essential to prevent property value declines and a stalled housing market.



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