Client purchasing house in need of 40 k repair.Client qualified on an income basis for 200k plus.House price 155 k .Lender was happy to agree to include renovation work post purchase in mortgage on production of necessary evidence of work completion and on basis that on completion mortgage was not greater than 92% of valuation.Important feature of this case study  is that in many cases clients borrow short term loans to complete remidial work when finance facilities at mortgage rates may be available.