Is my maisonette ex-council or not?!!

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    Is my maisonette ex-council or not?!!

    I own a maisonette in a Victorian house. It was built privately but in 1974 Camden Council bought the house and split it into two maisonettes. I'm remortgaging and am not sure if its classed as ex council or not. Camden is the freeholder but it's not a purpose built Council block. It's just a regular Victorian terrace house.
    I'd rather it not be classed as ex-local authority!

    #2
    It was clearly not a "council house" as generally understood, but there is not a lot you can do to about the fact that the council bought it and developed it and therefore stopping anyone who chooses to to describe it as ex-council.

    (Brighton Pavilion is a council house!)

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      #3
      But in the mortgage application do I have to say 'ex local authority'?

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        #4
        In any financial transaction one does of course have to be honest....

        If you read the fine print on your mortgage application it almost certainly says if your application was misleading/fraudulent they could repossess or change the interest rates/charges.... I'd simply tell the truth but explain the history...

        (There have been squatters living in Windsor Castle but that doesn't alter people's view of it's value - is any..)

        Oh the shame of it, ex-local authority!!!.... Getting a mortgage on ex-local authority is not that difficult...

        Fascinating name!
        I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

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          #5
          I don't want to be untruthful. I just don't know what the truth is. Do mortgage lenders include this kind of flat as local authority?

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            #6
            Sigh! Ask your lender.... I don't know what the internal rule book of your particular lender says....
            I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

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              #7
              ok - point taken!

              I thought there was a generic rule!

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                #8
                If the freeholder is the council, then it is a ex council property. If the bank does a survey, they will see it is a Victorian conversion.

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