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Why are mortgages dificult to obtain for post-war prefabricated houses?
After the Second World War much of the demand for new housing was met by prefabrication, offering various types of industrialised building systems. In due course many of these systems were found to be unsatisfactory, liable to unacceptable deterioration or failure. The BRE was commissioned to undertake condition surveys on examples of the various systems and subsequently published a series of reports. Some systems performed perfectly well, but others were listed in the Housing Defects Act. Not all examples are structurally defective, but it is the inclusion on this list that causes mortgage lenders to be cautious.
The following are listed
Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit, Parkinson Frame, Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour,Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget, Woolaway
You can consult the Condition Surveys for commentary on the system. A set of these reports is maintained by the Society´s Information services. Alternatively consult the RICS for guidance and advice.
A short report (Non-traditional housing in the UK - a brief review), written by BRE for the Council of Mortgage Lenders, informs lenders about non-traditional construction both past and present. It may still be possible to downloaded this free at Council of Mortgage Lenders.
Acknowledgement: The Concrete Society
Other references:BRE Good Repair Guide 1 Cracks caused by foundation movement
BRE Report ´The structural condition of [name system] houses
Dept. of Environment Circluar 28/84 ´Housing Defects Act: assistence for eligible private owners of prefabricated reinforced concrete houses designed before 1960´,London 1984
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