Cornish Unit Type 1 and Type 2: Key Differences
Cornish Unit houses come in two primary variants, designated Type 1 and Type 2, which differ in their structural configuration and the specific repair schemes applicable to them. Type 1 uses precast concrete columns with infill panels, while Type 2 incorporates a different panel and frame arrangement. From a remortgage perspective, the key practical difference is the specific repair scheme and PRC certification applicable to each type — surveyors and lenders need to know which type they are dealing with, as the repair scheme documentation and certificate will specify this.
Both Type 1 and Type 2 Cornish Unit houses have approved repair schemes under which a brick or block skin is applied externally, enclosing and reinforcing the original concrete structure. When completed to the approved standard, a PRC certificate is issued. The certificates for both types are generally recognised by the same pool of specialist lenders, though some lenders may have specific experience or preferences regarding one type over the other.
In addition to the structural type, the specific age and condition of the individual property are important factors. Cornish Unit houses built in the earliest years of the programme may have slightly different construction details from later examples, and the condition of the concrete structure at the time of repair — and subsequently — affects the lender's risk assessment. A surveyor experienced specifically in Cornish Unit construction will be able to advise on these nuances.
The Approved Repair Scheme for Cornish Unit Houses
The approved repair scheme for Cornish Unit houses follows the same general principle as other PRC repair schemes — the application of a new outer structural skin (typically brick or block) to enclose and reinforce the existing concrete structure. The repair must be carried out to the specification approved for the specific type, using approved materials and methods, and must be inspected and certified by an approved inspector at key stages of the work. Only when the repair meets the required standard is a PRC certificate issued.
The cost of the Cornish Unit repair scheme varies depending on the specific type, the size of the property, and the local labour market in Cornwall and the South West. Costs typically range from £20,000 to £45,000, though this can vary significantly. For many homeowners, the investment is worthwhile because the certified property commands a higher market value and, crucially, can be mortgaged and remortgaged through the specialist lender market rather than being effectively unlendable.
Where the repair scheme has already been carried out by a previous owner, the PRC certificate and associated documentation should form part of the property's title. If you purchased the property from its council owner under right-to-buy or from a previous private owner, the solicitor who acted on that purchase should hold copies of all relevant documentation. If the documentation cannot be located, this needs to be resolved before a remortgage application can proceed.
