Survey finding
Reema construction house: survey, mortgage and what to do
Reema house mortgage problems mirror other PRC systems: the repair certificate is the binary marker. This page sets out the variants. The lender market, and what to confirm before exchange.
Last updated: 6 May 2026. Editorially reviewed: 20 May 2026.
Finding
Reema construction
What this usually means
Reema is a precast reinforced concrete (PRC) system built between 1945 and 1965. Two main variants: Reema Hollow Panel and Reema Conclad. Designated defective under the Housing Defects Act 1984 due to corrosion of embedded steel reinforcement. PRC Homes Ltd licensed-repair scheme certification is the binary marker for mortgageability.
Why it matters
Unrepaired Reema properties are not generally mortgageable on the high street. Once licensed-repair-scheme certified, mainstream lender appetite returns. The certificate is the document that changes the outcome.
Ask your surveyor
- Check:Can you confirm this is Reema (Hollow Panel or Conclad) rather than a different PRC system?
- Check:Is there a valid PRC Homes Ltd or equivalent repair certificate?
Ask the seller
- Check:Do you have the PRC repair certificate and structural warranty paperwork?
- Check:When was the repair carried out and which contractor delivered it?
Next steps
- •Confirm with your broker which lender will accept this construction type before paying for any further surveys.
- •Order a structural engineer's report if no recent one exists in the property's records.
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What you need to know
Severity
Serious. Lender and insurer involvement likely; structural or specialist remediation.
Typical cost to fix
Licensed Reema repair: typically £40,000–£90,000 per property depending on system variant. Specialist Reema-experienced structural engineer's report £600–£1,500.
Mortgage impact
High-street lenders generally decline unrepaired Reema. With a valid PRC Homes Ltd certificate (or equivalent licensed scheme certificate) and 60-year structural warranty, mainstream lenders treat as standard. Specialist lenders consider unrepaired at lower LTV and higher rate.
Insurance impact
Standard insurance available on certified-repaired Reema. Unrepaired requires specialist placement.
When to pull out
Pull out if unrepaired, no certificate exists. The seller is unwilling to fund repair, and your lender refuses.
When to renegotiate, and by how much
If certificated, treat as standard. If unrepaired, negotiate by full repair cost plus 15% buffer.
Thinking of pulling out or renegotiating? What to do after a bad survey
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Flood, subsidence, EPC, crime, schools, transport, broadband, tenure, age, listed status and price checks where data is available.
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PRC (precast reinforced concrete) house , often sits near reema construction on a survey and is the next thing to check.
How MyPropertyScan produces this guide, and what it is not
Published by MyPropertyScan and written by Ziad Nasr, who is accountable for its accuracy. No page here is written or reviewed by a chartered surveyor, conveyancer or regulated adviser, and we do not claim otherwise.
This page is not:
- Chartered surveying — we do not inspect properties or produce RICS Home Survey reports
- Legal advice — we do not act as conveyancers or advise on title, tenure or contracts
- Mortgage or insurance advice — we are not regulated by the FCA and give no recommendations
Figures and process steps come from the published UK datasets and standards listed on this page, not from professional practice. Pages are updated when source coverage, survey cost assumptions, or lender and legal requirements materially change. Dataset limitations are set out on the methodology page.
Spotted something out of date or wrong? Email hello@mypropertyscan.com and we will correct it and change the update date.
Sources used
We use UK public and specialist sources where they are available. Public datasets can be incomplete, delayed, or missing for some addresses. Treat them as a starting point, not as a replacement for professional advice.
Source standard: preference goes to official government datasets, statutory bodies, professional standards, and primary dataset publishers. We cite the source family on the page and explain coverage limits rather than filling gaps with unsupported estimates.
- Professional standard: RICS Home Survey StandardRICS standard for condition-based residential surveys in the UK.
- Learn more from: RICS consumer guide to surveysConsumer-facing guide to survey types and when each level is appropriate.
- Official guidance: GOV.UK buying or selling your homeGovernment overview of the home buying and selling process.