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this post was submitted on 09 Nov 2023
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If you aren't comfortable with managing repairs, walk away. The repairs will likely take months and can be very disruptive.
It sounds like there are some very pricey repairs, chimneys are generally expensive and require specialized masons. Replacing windows can be expensive, but if the house doesn't have double pane windows, the insulation benefits can offset the cost.
The biggest worry is the moisture issues, rising damp and bad window frames could mean significant water damage is discovered as part of repairs. Cracked walls can also be a big deal depending on the root cause, foundation issues are really bad.
I do have somewhere within walking distance where I can stay while works are being completed. Windows I'm not so much worried about, as estate agent said she had similar issues and just did the windows one at a time as budget allowed. The damp / potential subsidence though is my biggest concern. It's likely the provider would pull the mortgage offer based on that, and there's no way I'd get building insurance with issues like this.
If you really like the location you might consider trying to negotiate a vastly reduced price for the land and do a demo and rebuild.
Am not sure I'd be able to do that, it's attached to another house; planning permissions I imagine would be a nightmare; it's likely they'll balk at any reductions in price let alone a massive reduction; and iirc the terms of my mortgage are specifically for a house purchase not a house build.
Dream idea though, I was looking at land the other day thinking how cool it would be to be able to just buy some land and build a house on it. Potentially cheaper than buying, just a huge project to manage.