Why it matters
What EWS1 Form means for a landlord
For a landlord buying or remortgaging a flat in a medium- or high-rise block, a missing or failed EWS1 can make the property effectively unmortgageable and unsellable until remediation is done. The form is building-wide, so it depends on the freeholder or managing agent obtaining it, not the individual leaseholder. If you own or are buying a flat in a clad building, confirm the EWS1 position early, it is one of the biggest hidden risks in leasehold buy-to-let.
Worked example
How it plays out
Liam wants to remortgage a flat on the ninth floor of a block with cladding, and his lender asks for an EWS1 form. The managing agent says one is being arranged, so Liam stays on his current deal until the form is available rather than risk a down-valuation.
Common mistakes
Where landlords go wrong
- 01Buying a flat in a clad block without asking about the external wall position.
- 02Assuming an individual leaseholder can commission an EWS1 alone.
- 03Leaving a remortgage until the last minute when a form may be needed.
What to do
A short checklist
- Ask the managing agent about the external wall position early.
- Check whether your lender needs an EWS1.
- Keep copies of any building safety documents you receive.
Sources
Checked against these sources on 16 September 2026. A guide to the rules in England, not legal advice: for a dispute or a possession claim, speak to a solicitor.
