EWS1 (external wall system) and mortgage information for leaseholders
Find out about External Wall System (EWS) forms. Some lenders may require EWS1 certification before they’ll offer a mortgage.
Mortgage information for leaseholders living in apartment blocks
The EWS process, and resulting form, is a set way for a building owner to confirm that an external wall system on residential buildings has been assessed for safety by a suitable expert, in line with government guidance. The EWS1 process delivers assurance for lenders, valuers, residents, buyers and sellers. The process was developed through extensive consultation with a wide range of stakeholders including fire engineers, lenders, insurers, valuers, and other cross industry representatives.
EWS1 forms aren't a legal requirement, but some lenders require one before they’ll offer a mortgage.
Each case is unique, and some lenders will also have their own criteria for what's acceptable as proof. That may be an EWS1 certificate, or a different type of documentation. Your building will likely have to be inspected to provide the information they need. It may be possible to secure a mortgage without an EWS1 form.
We would always recommend speaking to your mortgage lender or mortgage broker if you are unsure about the EWS1 requirements for your home.