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Just had mortgage valuation back. NW want to retain £1000 for a damp chimney.

This is on LTV of 36%!

I understand I would have to get a professional in to sort the damp.

Do I have to get the work done? I would prefer to do it my self, probably find a bit of lead or ventilation will sort it.

Or can I choose not to and forgo the £1000 if I did this would I pay intrest on the £1000 for the 25years?

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