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A number of council house tenants from South West London have been living in their PRC Homes for over 20 years and want to make their PRC house suitable for mortgage purposes. With Right to Buy discounts having recently been improved, these tenants are entitled to the maximum Right to Buy discounts; however, they have a problem, in that South West London is an expensive place to live. The homes they live in are of non standard construction. They cannot be mortgaged as thay are classed as defective housing. In their current condition they are still worth £350,000, even though they have not had PRC house repairs. If you assume for a moment that they will get the maximum Right to Buy discount, then they will be able to purchase the property for around £275,000. Mortgage lenders will require the renovation of PRC style properties before a PRC house is suitable for mortgage purposes. PRC house repairs will cost over £60,000 for this type of PRC house, therefore the tenant will need to raise a mortgage of about £340,000 to buy the PRC house and money to pay for the PRC house repairs. From this you can see that they will need an income of about £75,000 per annum is reqired to enable these tenants with the Right to Buy to make their PRC house suitable for mortgage purposes.
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Hereford still has many types of PRC houses often categorized as Defective Housing. Although built over 60 years ago Cornish PRC houses can be found in places such as, Usk Close and Trinity Road in Hereford, these Cornish PRC houses require complete PRC house repairs in order to make these PRC houses suitable for mortgage purposes.
Hereford tenants with the Right to Buy now have an increased level of discount to help towards the cost of the renovation of PRC style properties. Discounts have been increased to a maximum of £75,000 this sum is based on the maximum years on a secured tenancy, the discount for the Right to Buy is calculated by adding up all the years that the tenant has spent on a secured tenancy and does not have to have been in Hereford time spent as a tenant with other Councils are included even time spent in married quarters in the Armed Forces as long as the tenant has a secured tenancy.
So if you live in a Cornish PRC Constructed property classed as defective housing and you would like to buy then the amount of discount that Hereford Council will give you is based on your time spent as a secured tenant, the amount of discount you are entitled to is deducted from the current market price of your property, you should not forget that the market price is already below that of a traditionally constructed property, so the low purchase price with the increase in discount now mean that the cost of renovation of PRC style properties to a standard that will make a PRC suitable for mortgage purposes becomes more viable, Hereford tenants with the Right to Buy will benefit from the new discounts especially when buying a PRC type property and having PRC house repairs carried out.
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Work started on Monday 3rd September 2012 to carryout PRC House Repairs to a Cornish PRC House in Hereford. The Cornish PRC House in Hereford is described as defective housing or of non standard construction. The renovation of PRC style properties such as the Cornish house in Hereford is a complicated process and should only be undertaken by specialst builders. The first part of the PRC House Repairs will involve supporting the structure so that the defective concrete can be removed. A timber structure is errected so that the homeowner can continue to live in the house whilst renovation of this PRC style property continues. The Homeowners of the Cornish PRC property had lived in house for many years before choosing to buy the property under the Right to Buy scheme, but this property was described as defective housing. In order to buy the house under the Right to Buy scheme they had to go through a two stage process. Having agreed to buy the house, funds were released released for that part of the transaction, then a further advance would need to be agreed with the lender to pay for the Swindon based builders to carryout the PRC House Repairs, which would then make their PRC house suitable for mortgage purposes. The Swindon based builders have appointed Michael Dyson Associates who are the Structural Engineers who's PRC house repairs licence is being used. Once the PRC house repairs have been completed then Michael Dysons will issue a numbered PRC house repairs certificate to the Swindon based builders, the PRC house repairs certificate will in turn be given to the homeowner. The homeowner will pass the PRC house repairs certificate to the mortgage lender who will then release funds to pay the Swindon builders. It should take about 6 weeks to make this once defective house into a brand new home. |
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Reema PRC houses were built using a large panel system of prefabricated reinforced concrete and are classed as defective. Most Reema houses were built when post world war two housing was required on a large scale, between the 1940's to the 1960's about 30,000 were built. There are 2 types of Reema, Reema Conclad which are not on the defective housing list and is a PRC house suitable for mortgage purposes and the Reema Hollow Panel, this type of PRC construction house is described as defective housing. Reema Hollow Panel require PRC House repairs to make this type of PRC house suitable for mortgage purposes. Some 6 years ago a brick wrap repair was widely used on Reema type houses; a Structural Engineers Certificate was issued and at the time was acceptable to a number of sub-prime lenders. The PRC house repairs system left the external concrete panel walls in place and a new brick outer skin cavity wall is built around the house, hence the term 'wrap' was used. Whilst these type of PRC House repairs was being carried out a householder could stay in the property. Whilst sub-prime lenders did lend on this type of repair, most major High Street Lenders will not and so householders who had this type of PRC House Repairs carried out will have to start all over again as the Reema type PRC house is still not suitable for mortgage purposes and would still be described as defective housing. A full PRC House repair is acceptable to some High Street lenders. This system of repair involves removing the external concrete walls and the concrete beams within the house. It would not be possible to live in the house during the PRC House repairs process.
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Stent Type PRC Houses are under the 1985 Housing Act classed as Defective Housing. Stent PRC Houses would be subject to PRC House Repairs in order to make this type of PRC House suitable for mortgage purposes. The Stent PRC House was manufactured by Stent Precast Concrete Limited and only 1,250 were thought to have been built in a 10 year period after the war. You will find Stent PRC Houses today in and around Romford and South Ockendon in Essex where the majority of Stent type house were built. Stent type properties have the potential to suffer significant structural deterioration due to the presence of chloride based admixtures that were introduced to the cement during the original construction process. Of primary concern are the PRC external wall components. These often suffer from low concrete cover which, when coupled with high levels of carbonation, can actively promote corrosion of the steel reinforcement. Renovation of PRC style properties such as Stent PRC houses involves removing the defective elements and then rebuilding the house using brick and or block. Stent PRC Houses are often referred to as non standard construction. In order to raise a mortgage to buy a Stent PRC house and it has not had PRC House Repairs completed then you will only be able to buy the property with cash. If PRC House Repairs have been completed to a Stent House, then the home seller will need to provide you with a PRC Certificate. A PRC certificate is issued by a Structural Engineer once PRC House Repairs have been completed to the satisfaction of the PRC House Repairs licence issued by the Structural Engineer. No PRC certificate means the Stent type PRC House has not had PRC House Repairs carried out and so the Stent PRC house will still be described as defective housing. For further information about PRC House Repairs please call 0845 37 123 34 or follow us on Twitter |
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Orlit types (ll) PRC Houses are classed as Defective Housing. They were manufactured by Orlit Ltd, and in total about 17,000 Orlit PRC houses (Types I and II) were built during the 1940s and 1950s. An Orlit PRC house will require PRC House Repairs to make it suitable for mortgage purposes. Today you will still find this type of defective housing in Essex, Surrey, Middlesex, Hampshire, Northampton and beyond. Orlit construction comprises a structural frame clad with Concrete panels. The primary load bearing structure is based around a pre-cast reinforced concrete (PRC) portal frame which itself consists of storey height columns and beams at first floor and roof level. The main frames are braced and connected by either concrete secondary beams to carry the floor, roof and ceiling finishes or, where a continuous floor is required, by inverted PRC trough shaped units filled with in-situ concrete. The columns, which are themselves bolted together, are manufactured with brackets that allow them to be tied or ‘stitched’ to the beam components. Once these connections are made the resultant joint is subsequently encased in-situ concrete. The Orlit type house has an unusual feature for a house. It has a flat roof deck and is formed of PRC slabs which, like the first floor structure, span between secondary beams. The slabs are usually covered with a screed which varies in thickness to create the necessary falls for rainwater drainage and finished with either asphalt or bituminous felt. Orlit type properties have the potential to suffer significant structural deterioration due to the presence of chloride based admixtures that were introduced to the cement during the original construction process and hence why they are considered to be defective housing. Of primary concern are the in-situ joints that were used to stitch beam and columns components together. These were commonly formed using high alumina cement (HAC)which, under certain conditions, is known to actively promote corrosion of the steel reinforcement. Renovation of PRC style properties is an important consideration if you are considering purchasing this type of defective housing. Orlit PRC House Repairs are costly and buyers of this type of defective housing should budget for a PRC House Repair bill in excess of £50,000. Flat roofed properties have a tendency to suffer from severe condensation which can assist the deterioration of the HAC joints. Pitched roofed houses on the other hand do not usually reflect this problem. If you are considering the renovation of PRC style properties, Taylor Made PRC Soultions carryout repairs to PRC properties throughout the UK, for more information, please contact our office on 0845 37123 34 or follow us on Twitter.
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Whilst Cornish type (l) and Cornish type (ll) PRC houses were classed as defective housing. The same cannot be said for a Cornish PRC Bungalow. Under the 1985 Defective Housing Act, both Cornish type PRC Houses were classified as being defective housing. A Cornish Bungalow would not be described as traditional housing and thereforre would be best described as of non standard construction. Traditional built houss use a combination of block and or brick. The Cornish PRC Bungalow used concrete cladding panels like those used on some old prefabricated garages. To improve u values to Cornish PRC tope houses and bungalows an additional brick cladding is used to encase the existing structure. An example of this can be seen if you go use the You Tube link below. As a non traditional or non standard construction. Cornish PRC Bungalows require PRC House Repairs in order to make them suitable for mortgage purposes. When properties are described as being of non standard construction it is very unlikey that you will be able to ontain a mortgage to buy such a property, therefore the market to sell a concrete type property is restricted to cash buyers only. If you do decide to purchase a PRC type property for cash, you can carryout the renovation of PRC style properties to make the PRC House suitable for mortgage purposes. So to clarify a Cornish PRC Bungalow would not be described as Defective Housing. But a Cornish PRC Bungalow should be described as non standard construction. Over the coming months, Taylor Made PRC Solutions will be reinstating a Cornish PRC Bungalow as a Traditional Cornish Bungalow. Paste the link below into your browser and have a look at a property of non standard construction. http://www.youtube.com/watch?v=0VLs0wJb-Io&;feature=plcp
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Under the Housing Act of 1985 Cornish Type (II) PRC Houses were classified as being defective housing. Like Cornish PRC type (l) houses they were manufactured by Central Cornwall Concrete & Artificial Stone Co. However unlike the traditional Cornish Type (I), Type (II) Cornish properties utilise pre-cast reinforced concrete (PRC) components in both the ground and first floor elevations and incorporate a traditional pitched roof but would still be classed as non standard construction. The cladding panels used in the external wall construction taper in thickness from 25mm at the top to approximately 38mm at the bottom. The top and bottom edges are rebated for dry lap-jointing of the units when erected as weatherboarding between the columns. Party walls are generally of 225mm solid masonry, reducing in thickness within the roof space. Internal load bearing partitions are usually 100mm masonry whilst non load bearing walls are built of 100mm clinker block or timber studwork. The pitched roof construction comprises timber rafters and purlins, sarking felt, battens and concrete tiles. Cornish type (ll) houses require PRC house repairs to make a Cornish type (ll) PRC House suitable for mortgage purposes. Like the Cornish Type (I) properties, these units have the potential to suffer significant structural deterioration and hence why they are described as defective housing. Repairs to PRC properties will involve the removal of the defective concrete and make a Cornish Type (ll) PRC house suitable for mortgage purposes.
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Do you live in a house described as being of non standard construction. You can visit a web site called HI Resourses, http://www.hiresources.co.uk/NT-Results.asp The site can help you to identify the type of house that can be described as being of non traditional or non standard construction. The web site highlights all types of defective housing found throughout the UK. The following is a list of types of non standard construction. Airey, Arrowhead, Boot, BISF, Cornish Unit, Dorlonco, Dorran, Dyke, Gregory, Hawthorne Leslie, Howard, Laing Easi-Form, Lowton Cubit, Mowlem, Myton, Newland, Orlit, Parkinson, Reema Hollow Panel, Schindler & Hawksley SGS, Stent, Stonecrete, Tarran, Thorncliffe, Trusteel, Underdown, Unity & Butterly, Waller, Wates, Wessex, Wimpey No-Fines, Winget, Woolaway. You can see the type of PRC houses plus the construction type and common identifying features. All of the PRC houses will require PRC House Repairs in order to make them suitable for mortgage purposes. If you provide us with your post code we can help you to identify your house of non standard construction. Follow us on Twitter
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Cornish PRC Houses were classed as being Defective Housing by the Secretary of State under Part XVI of the Housing Act 1985 and are a type of PRC house suitable for mortgage purposes once PRC house repairs have been completed. Cornish PRC houses were manufactured by Central Cornwall Concrete & Artificial Stone Co, it is understood that some 30,000 houses (Types I and II) were known to have been built between 1946 and 1965. Properties such as Cornish PRC houses and flats, comprise pre-cast reinforced concrete (PRC) plinths, ring beams and columns at approximately 900mm centres with un -reinforced concrete panels stack bonded to form the external facades and require renovation to make a Cornish PRC house suitable for mortgage purposes. The traditional Cornish Type (I) house is a two storey dwelling, with only the ground floor construction of columns and panels. The external walls at first floor level usually take the form of a mansard roof and are accordingly felted, battened and clad with vertical tile hanging. The ground floor is typically of solid in -situ construction whilst the first floor is built off timber joists which span between concrete beams. To make a Cornish PRC house suitable for mortgage purposes PRC house repairs involve removing the defective concrete and rebuilding with brick and block work. Once PRC house repairs have been carried out a structural engineer will issue a PRC Certificate that can be presented to most high street mortgage providers. Cornish type properties have the potential to suffer significant structural deterioration due to the presence of chloride based admixtures that were introduced to the cement during the original construction process. Of primary concern are the external wall columns. These often suffer from low concrete cover which, when coupled with high levels of carbonation, can actively promote corrosion of the steel reinforcement. Repairs to PRC properties will increase the life span of these houses that would otherwise remain tarnished as defective housing.
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Airey PRC Houses are described as defective housing. They were manufactured by W Airey & Sons Ltd and it is understood that some 26,000 houses of this type were built between 1945 and 1955. In order to make an Airey PRC suitable for mortgage purposes, PRC houses repairs have to be undertaken. This is due to the fact that Airey PRC Houses are of non-standard construction. The external walls of an Airey House comprise of pre-cast concrete storey height columns at approximately 450mm centres, reinforced with a 30mm diameter steel tube. The columns are clad with concrete panels that are secured to the outer face of the same using hardened copper tie wires. The cladding panels, which have an exposed aggregate finish, are ship-lapped so as to create a weather-tight joint. The internal face of the wall columns are battened and clad with either plasterboard, or in some cases fibreboard. Party walls consist of two leaves of the external wall construction placed back to back. The internal spine wall, which runs parallel to the front elevation, is similarly formed of single row of PRC columns that are lined both sides with one of the two board finishes identified above. On the ground floor, this is typically of solid in -situ construction whilst the first floor is built off lattice steel joists which span between the columns located in the front and rear external walls and in the central spine wall. These joists have battens fixed to their top and bottom flanges from which the floor and ceiling boards take their respective fixing. The pitched roof construction comprises timber trussed rafters, purlins, sarking felt, battens and clay tiles. The gable apex is clad with the same, or more typically, timber shiplap boarding. Renovation of PRC style properties are necessary due to Airey type houses having the potential to suffer significant structural deterioration due to the presence of chloride based admixtures that were introduced to the cement during the original construction and this why they were listed as defective housing. Of primary concern, are the external wall columns? These historically suffer from low concrete cover which, when coupled with high levels of carbonation, can actively promote corrosion of the steel reinforcement. Decay of the central reinforcing tube is usually more pronounced at the column bases and if left to progress will eventually cause these to crack and in some cases split in two. This is why, in order to make an Airey PRC house suitable for mortgage purposes, PRC house repairs will involve removing all of the defective concrete and rebuilding the Airey property using traditional materials.
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Would you like to live in a nice part of town? Boot houses are described as defective housing. They were houses built in the United Kingdom after World War I to accommodate the housing boom following the war. They were named after Henry Boot(Construction). Henry Boot Limited, produced an estimated 50,000 PRC houses between the end of World War I and the start of World War II. Due to a shortage of bricks, boot houses were built using precast reinforced clinker-concrete columns. Structural tests in the 1980s revealed significant deterioration in the concrete as a result of carbonatation and are classed as defective housing. The Housing Act of 1985 provided government grants for homeowners of defective housing. You will still find around 500 Boot type PRC Houses in Barnes near to Richmond upon Thames in South West London. Even though the renovation of PRC style properties in Barnes has not been done, buyers will still pay in the region of £350,000 for a house of non-standard construction. In order to obtain a mortgage a Boot PRC house will require PRC house repairs to be completed to ensure a Boot PRC house is suitable for mortgage purposes. Follow us on Twitter
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Right to Buy Council house discounts have increased for defective housing. Legislation allows council house tenants to purchase a house of non-standard construction. The price to buy a PRC house should reflect the fact that in order to carry out the renovation of PRC style properties the council house tenant will have to have PRC house repairs carried out on their defective housing. To this end the price paid for the property should be well below the market price. Council house tenants with the right to buy can get up to £75,000 discount off their house of non-standard construction. Defective concrete PRC houses need to have a PRC house repairs before they become mortgagable, right to buy discounts have been increased to stimulate the sale of properties. New Right to Buy Legislation is hoped will encourage more council house tenants to apply to purchase their PRC Council Houses and have PRC house repairs carried out so it will become a PRC house suitable for mortgage purposes. Council house tenants with the right to buy will get a 35% discount of the market price after 5 years with an extra 1% discount for every year thereafter that they have been a council house tenant. The overall discount can take this up to £75,000 off the value of the property. The value given by your local council should also reflect the fact that you will have to have PRC house repairs carried out in order to make your PRC House suitable for mortgage purposes. Call 0845 37 123 34 for advice on PRC house repairs or any matters relating to defective housing.
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A £2.5 MILLION housing regeneration project in Scotland has got underway, the local press has revealed. Phase one of the renewal programme of the 50 defective Unitroy homes is expected to start in September, in 1987 the houses were declared as defective housing. The homes were condemned because of the steel-framed design and would cost £40,000 to carryout PRC House Repairs to each property. Residents have been left with damp and draughty homes, with sky-high heating bills. Renovation of PRC style properties was not a realistic alternative to demolishing the houses and starting again. As PRC house repairs would not be a cost effective alternative the first phase of the redevelopment plan will involve a total of 20 homes being demolished. Of the 50 homes, which are located in Central Road, Main Road and Farm Road, 33 are owned by FHA with the other 17 privately owned. The privately owned properties would have needed PRC house repairs to make their PRC house suitable for mortgage purposes, in the end it would seem that the local council has bought them back. As renovation of PRC style properties was not a cost effective solution the landlord has been emptying the properties for phase one, so that they can take forward the demolition of the houses. Follow us on Twitter
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Many types of PRC houses require PRC House Repairs to make a PRC House suitable for mortgage purposes. In the years they were manufactured 26,000 Airey, 30,000 Cornish, 17,000 Orlits and 19,000 Unity type 1 and 11 prc houses were produced, under the Housing Defects Act of 1984(now part XVl of the 1985 Housing Act) these would be described as defective housing. Structural surveyors will be familiar with these types of defective housing. Other type of defective housing. Other types of non-standard construction, whilst not designated under the defective housing act would be the steel framed Dorlonco, this house includes elements of rendered EML and clinker block and then there is the Easiform type 11. The Easiform type 11 is an in-situ cast cavity concrete construction and might well be described as a PRC house suitable for mortgage purposes. If potential buyers are trying to secure a mortgage to make a PRC house suitable for mortgage purposes a surveyor will need to be certain of the design type. It cannot be an easy task for a surveyor when in the case of the Dorlonco type house, the outer walls are clad in stone or brick. Initially they might look like a traditional house, but they are of non-standard construction. Follow us on Twitter
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Families living in PRC Houses with severe structural problems have been told it is unlikely enough funding will be available for PRC House Repairs on a housing estate in Galleys Bank, Kidsgrove. Some 200 PRC Houses in Galleys Bank in Kidsgrove, are still classed as defective housing. The pre-cast concrete homes of the Hawkesley Schindler type were built in the 1950s and have structural problems which have stopped bank’s lending money to make this PRC House suitable for mortgage purposes. Buy to Let Landlords have been buying the properties at auction but failing to maintain these houses of non-standard construction. A newspaper article in October 2011 suggested that it was unlikely that any significant public sector funding would be available for a comprehensive refurbishment programme of Kidsgrove’s defective housing. The article seemed to suggest that if market conditions increased and property values rose, then there might be benefits for residents who under took their own PRC house repairs. The council had Inspected 42 privately-rented homes and followed this up with enforcement action in some cases, to reduce the risk of residents having to tolerate living in defective housing. In Sussex Drive Marian Fuller lives in her house of non-standard construction. She has been waiting for many years for something to be done about defective housing. PRC house Repairs would make her PRC House suitable for mortgage purposes but at this time there is no money available for the renovation of PRC style properties.
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Where in the UK will you find defective housing. The answer is that defective houses are everywhere in the UK. You will find PRC type houses in every county of the UK. PRC House Repairs will need to be undertaken on these defective houses to make a PRC House suitable for mortgage purposes. Local Authorities over the years have undertaken the renovation of PRC style properties. In the case of Local Authorities they do not have to make a PRC House suitable for mortgage purposes. If you are an existing council house tenant and you want to exercise your Right to Buy your house of non standard construction. You will need to be eligiable, you will need to obtain a mortgage and then arrange for PRC House Repairs to your house of non standard construction. Once your PRC house has had PRC House Repairs completed, then your PRC House will be suitable for mortgage purposes and no longer described as defective housing.
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According to newspaper reports Exeter Council will need to spend more than £1.5m on vital PRC House repairs to defective Housing. Renovation of PRC style properties will need to have PRC House Repairs to council homes in Exeter, which have been deemed as Non Standard Construction. PRC House Repairs cannot be carried out until the PRC Houses become vacant, Exeter City Council has stated that the houses are safe and there is no risk to its tenants, even though they would be described as defective housing. ​ The PRC Houses are located Buddle Lane Estate in Cowick is made of up 294 PRC houses built using the Laing's Easiform building system in the 20’s and 30’s. Laing Easiform method of construction consisted of cast-in-situ concrete cavity walls, a large number of these have failed over time because of the expansion of steel reinforcement or movement. To make a PRC house suitable for mortgage purposes, PRC House Repairs will need to be carried out. What now for this Defective Housing. Exeter City Council has now to decide if they will retain ownership of 21 PRC homes. These PRC homes will require large amounts of money spent on them to bring them up to a Decent Homes standard. The council is considering six options to deal with their defective housing. This might include selling them on the open market once vacant or continue transferring them to a Housing Association, according to the newspaper report its preferred option is to retain and carryout the renovation of PRC style properties. PRC House Repairs will involve major works which will not be undertaken with tenants living in these properties of non-standard constrction. |
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Once you have committed to undertake the reovation of your PRC style properties, you should appoint a construction company that specialise in repairing defective housing. The objective of having PRC House Repairs is to make your PRC House suitable for mortgage purposes. PRC House Repairs are a complicated build and should not be undertaken by anyone without experience of PRC house Repairs. Repairs to PRC properties involves, sometimes building new foundations around the perimeter of your PRC House, safely supporting the structure and then removing the defective concrete and rebuilding using traditional building materials. When undertaking repairs to PRC properties your builder will need to carefully remove any asbestos from the site. Renovation of PRC style properties is monitered by a Structural Engineer, a Structural Engineer should make four visits to the PRC House to ensure that the structural alterations are being carried in accordance with the licence for your specific type of PRC House Repairs. Folloe us on Twitter |
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Certain types of PRC houses would be described as defective housing. The major defects PRC Houses have is often referred to as ‘concrete cancer’. To resolve these issues PRC House repairs have to be carried out in order to deal with the structural defects. PRC Houses were built using a system that used steel to reinforce concrete panels, however contaminates present inside the concrete at the time of manufacture has caused extensive damage to the inner steel reinforcing bars or rebars and hence why they are now described as defective housing. Corrosion and crumbling concrete over the past 60 – 70 years caused by chemical contamination has weakened entire structure and so causing them to be classed as defective housing. Mortgage providers will not lend money against concrete or houses of Non-standard construction. To make a PRC house suitable for mortgage purposes PRC house repairs will involve removing the defective concrete and rebuilding the PRC house with traditional brick and or block. Once PRC House Repairs have been completed a Structural Engineer will issue a PRC Certificate that is given to your mortgage provider. You will then have a PRC House suitable for mortgage purposes. Follow us on Twitter
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