Flats: Insulation

Ministry of Housing, Communities and Local Government written question – answered on 12th October 2020.

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Photo of Gregory Campbell Gregory Campbell Shadow DUP Spokesperson (International Development), Shadow DUP Spokesperson (Cabinet Office)

To ask the Secretary of State for Housing, Communities and Local Government, if he will hold urgent discussions with representatives of financial institutions on their requirement for an EWS1 form in order to approve mortgage applications relating to low-level flats.

Photo of Christopher Pincher Christopher Pincher Minister of State (Housing, Communities and Local Government)

The External Wall System form (EWS1) and process was introduced by the Royal Institution of Chartered Surveyors to assist in the valuation of high-rise residential buildings for mortgage purposes. Not all lenders request an EWS1 form and the Government does not support a blanket approach in EWS1 use for lower risk properties. The EWS1 process should only be used where there is clear need, and where no reasonable assurances or regulatory evidence exists to support valuations. Ministers and officials continue to engage with lenders on this issue.

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