In recent years, leaseholders of flats in the UK have faced significant challenges when trying to buy, sell, or remortgage properties affected by cladding issues. One of the biggest hurdles is the EWS1 form (External Wall System Fire Review), which lenders often require before approving mortgages on flats in high-rise buildings. But is it possible to get a mortgage without an EWS1?
In this article, we’ll explore what an EWS1 form is, why it matters, and whether you can still secure a mortgage without one in the UK.
What Is an EWS1 Form?
An EWS1 (External Wall System) form is a safety certificate introduced in 2019 following the Grenfell Tower fire. It is used to assess whether a building’s external wall system (including cladding, insulation, and balconies) meets fire safety standards.
The form is typically required for:
- Buildings over 18 metres tall
- Some buildings under 18 metres (if they contain specific fire risks, such as certain types of cladding or balconies)
The assessment is carried out by a qualified fire safety expert, who assigns the building a rating from A1 (no combustible materials) to B2 (remedial work required).
Do You Need an EWS1 Form / Certificate to Get a Mortgage?
The need for an EWS1 form largely depends on:
- The height of your building
- The type of external wall materials
- The lender’s specific policies
Many mortgage lenders refuse to lend on flats in buildings without an EWS1 form if they suspect fire safety risks. However, in some cases, you may still be able to secure a mortgage without an EWS1.
Getting a Mortgage Without an EWS1 in the UK
While an EWS1 form is commonly required, there are exceptions. Here’s how you might be able to get a mortgage without an EWS1:
Check If Your Building Is Exempt
Not all buildings need an EWS1 form. In 2022, the government updated guidance, stating that buildings under 18 metres should not require an EWS1 unless there are exceptional safety concerns. Some lenders have now updated their policies to reflect this.
If your building is under 18 metres and not flagged as high risk, some lenders may offer a mortgage without an EWS1.
Find a Lender That Doesn’t Require an EWS1
Some lenders have more flexible policies and may not insist on an EWS1 form, especially for lower-risk buildings. Specialist mortgage lenders, smaller banks, or building societies may be more open to considering applications on a case-by-case basis.
Use a Specialist Mortgage Broker
Mortgage brokers who specialise in cladding-affected properties can help you find lenders willing to offer a mortgage without an EWS1. They have up-to-date knowledge of which lenders are flexible and can negotiate on your behalf.
Get a Fire Risk Assessment or Alternative Evidence
If an EWS1 isn’t available, a lender might accept a fire risk assessment or a statement from the managing agent confirming that cladding isn’t present. Some lenders are now considering alternative evidence rather than insisting on an EWS1.
Wait for Cladding Remediation Work
If your building is due to have cladding remediation funded by the government or the developer, lenders may be more willing to approve a mortgage even without an EWS1 form. If major safety work is planned or in progress, some lenders may take this into account.
Which Mortgage Lenders Accept Flats Without an EWS1?
Lender policies are constantly changing. Some major banks and building societies have started to relax their rules, particularly for buildings under 18 metres. However, not all lenders are on board, so it’s best to consult a mortgage broker who can identify the most suitable options.
For the latest lender updates, it’s worth checking with:
- Nationwide
- Barclays
- Halifax
- Santander
- Specialist lenders
Some lenders may offer mortgages on a case-by-case basis depending on the building’s risk level.
What If You’re Struggling to Get a Mortgage Without an EWS1?
If you’re finding it difficult to secure a mortgage without an EWS1, here are some steps you can take:
- Speak to your managing agent or freeholder – Ask if an EWS1 is available or if it’s planned.
- Check the government’s Building Safety Fund – If your building qualifies, remediation costs might be covered.
- Consider alternative mortgage lenders – Some lenders are more flexible with cladding-affected properties.
- Explore bridging finance – A temporary solution if you need to buy or remortgage quickly.
Final Thoughts: Can You Get a Mortgage Without an EWS1?
Yes, in some cases, you can get a mortgage without an EWS1, but it depends on your building’s height, materials, and the lender’s policy. The landscape is changing, with more lenders relaxing their requirements, especially for buildings under 18 metres.
If you’re struggling to find a lender, speak to a specialist mortgage broker who understands the latest lender policies on cladding and fire safety.
Want to find out if you can get a mortgage without an EWS1? Get in touch with a mortgage adviser today!
FAQs
Can I get a mortgage without an EWS1 form?
Yes, but it depends on your building’s height, materials, and the lender’s policy. Some lenders will approve mortgages without an EWS1 if the building is under 18 metres or if there’s alternative fire safety evidence.
Do all lenders require one?
No, some lenders are more flexible, especially if your building is under 18 metres or has been deemed low-risk by fire safety experts. Specialist lenders and mortgage brokers can help find the right options.
How do I know if my building needs an EWS1 certificate?
EWS1 forms are typically required for:
- Buildings over 18 metres tall
- Some buildings under 18 metres with cladding concerns or fire risk features (e.g., balconies with flammable materials) You can check with your managing agent, freeholder, or local council to confirm if your building needs one.
What if my building doesn’t have an EWS1 yet?
If your building doesn’t have an EWS1, you have a few options:
- Consider a cash buyer if selling your flat
- Find a lender that doesn’t require one
- Provide alternative fire safety evidence
- Wait for remediation work or an EWS1 assessment to be completed
Can I remortgage my flat without an EWS1 form / certificate?
It depends on your lender. Some banks require an EWS1 before approving a remortgage, but others may accept alternative assessments. A mortgage broker can help identify lenders willing to remortgage without an EWS1.
Can I sell my flat without an EWS1?
Yes, but it may take longer and reduce the number of potential buyers. Most mortgage lenders require an EWS1, so your buyer may need to pay in cash or use a specialist lender.
Are cash buyers interested in properties without an EWS1?
Yes, some cash buyers and property investors will buy flats without an EWS1, especially if they believe remediation work is planned or the property is a good investment.
Will my flat lose value without an EWS1?
Properties without an EWS1 can be harder to sell and may sell for less if buyers are concerned about potential remediation costs. However, government support schemes and changing lender policies are helping stabilise values.
What happens if my building fails the EWS1 assessment?
If your building receives a B2 rating (meaning fire risks require remediation), lenders may refuse mortgages until the cladding is replaced. You may need to wait for government funding or freeholder intervention.
Is there an alternative to an EWS1 form?
Some lenders may accept a fire risk assessment, a letter from the managing agent, or other safety documentation instead of an EWS1. A mortgage broker can advise on lenders who accept alternatives.
Will the government pay to remove unsafe cladding?
The UK government has introduced cladding remediation schemes to help leaseholders in affected buildings. Check with your building’s management or the Building Safety Fund to see if your property qualifies.
Which mortgage lenders offer loans without an EWS1?
Policies are constantly changing, but some banks and building societies are now lending on lower-risk buildings without requiring an EWS1. A specialist mortgage broker can help you find the most up-to-date lender options.
Should I use a mortgage broker for an EWS1-related mortgage?
Yes. Many brokers specialise in cladding-affected properties and know which lenders will consider mortgages without an EWS1. This can save time and increase your chances of approval.
How can I improve my chances of getting a mortgage without an EWS1?
- Check if your building is exempt from EWS1 requirements
- Find a lender with relaxed EWS1 rules
- Use a specialist mortgage broker
- Provide alternative safety evidence if available
- Wait for cladding remediation plans to progress
Continue Reading
Right to Buy mortgage with No deposit
Mortgage brokers first-time buyers London
Self-employed mortgages London
Right to buy: can I buy my council house?
Single brick construction mortgage
How much can I borrow for a mortgage?
Mortgage with a gifted deposit
Joint mortgage with bad credit