EWS1 (external wall system) and mortgage information for leaseholders
Find out about the External Wall System process and why you may need an EWS1 certificate before applying for a mortgage.
Mortgage information for leaseholders living in apartment blocks
The External Wall System (EWS) process and EWS1 form allows 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.
This process provides assurance for lenders, valuers, residents, buyers and sellers, and was developed through extensive consultation with a wide range of stakeholders including; fire engineers, lenders, insurers, valuers, and other industry representatives.
Do I need an EWS1 certificate?
EWS1 forms aren't a legal requirement, but some lenders require one before they'll offer a mortgage.
It may be possible to secure a mortgage without an EWS1 form, but 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. We would always recommend speaking to your mortgage lender or mortgage broker if you are unsure about the EWS1 requirements for your home.