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FAQ's
Frequently asked questions
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What if my valuer asks for an EWS1
A valuer may still request an EWS1 if they believe there could be unsafe materials in the external wall system. This does not always stop the mortgage. We can speak to the lender and confirm whether alternative evidence is acceptable.
Is an EWS1 always required for mortgage purposes
No. Many lenders now take a flexible approach. Whether the form is needed depends on the building materials, height and remediation status.
Can I remortgage without an EWS1
Yes, in many cases. Lenders often have internal teams who assess the building without requiring an EWS1, especially if the building is part of a recognised protection or remediation scheme.
Can I sell my flat without an EWS1
It may take longer and some buyers may hesitate, but it is possible. Updated lender guidance has made it much easier to get mortgages on flats without EWS1 forms.
What is the difference between an EWS1 and a FRAEW
An EWS1 is a form used for mortgage valuation. A FRAEW is a detailed fire risk appraisal used by building owners to understand risks and plan remediation. In some cases the FRAEW informs the EWS1.
How do I find out if my building has unsafe cladding
Request any available documentation from your managing agent. This may include an EWS1 form, a fire risk assessment or a remediation plan.
How long does an EWS1 take
Due to demand and a shortage of qualified assessors it can take six to twelve months. This is why lenders often look for alternatives.
Does the Building Safety Act remove the need for EWS1 forms
No. The Act introduces protections and remediation responsibilities but lenders still decide individually when an EWS1 is required.
Can I get a mortgage if my building has cladding
Yes. Many lenders will still lend on buildings with cladding if remediation is confirmed or the building is part of a recognised government scheme. We help you check eligibility.
How do I know if my building needs remediation
Your managing agent should confirm whether the building is part of a remediation scheme, has a remediation plan in place or is already classed as safe.
Why is it hard to get an EWS1 form
There is a nationwide shortage of qualified assessors and high demand for assessments. This causes long waiting times and higher costs.
Is the EWS1 form going away
Not yet. Usage has reduced, but it is still used for mortgage valuations on certain buildings where materials or risks are unclear.
Can I re-mortgage without an EWS1
Yes, in many cases. Lenders often have internal teams who assess the building without requiring an EWS1, especially if the building is part of a recognised protection or remediation scheme.
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