--- title: Other Factors That Affect The Lending Decision Quiz description: Free CeMAP quizzes from Overcome Mortgages. Exam‑style practice questions with instant feedback to help you prepare and improve. 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Test your understanding of how property characteristics, location, and legal considerations impact lending eligibility. **CEMAP Topics Covered:** planning consent, building regulations, listed buildings, conservation areas, environmental factors, subsidence, contaminated land, solar panel schemes, leasehold considerations, property restrictions, and lender risk assessment criteria. This quiz is specifically designed for CEMAP students preparing for their exams and mortgage advisers maintaining their professional knowledge of lending decision factors. CEMAP quiz, Certificate in Mortgage Advice and Practice, mortgage adviser training, lending decisions, planning consent, building regulations, environmental factors, property restrictions, listed buildings, conservation areas, subsidence, contaminated land, leasehold, CeMAP revision, mortgage qualification Take CEMAP Quiz Now # Other Factors That Affect The Lending Decision Quiz ## 1. Which work requires planning consent? A. Converting a barn into a dwelling B. Adding cavity wall insulation C. Building a detached garage less than 30m² D. Erecting a garden wall   ## 2. What triggers the neighbour consultation scheme? A. Loft conversions up to 40m³ B. Large single-storey rear extensions C. Internal garage conversions D. Satellite dish installation   ## 3. Which factor defines designated land? A. High flood risk zones B. Former industrial sites C. Conservation areas or national parks D. Properties near power lines   ## 4. What work is exempt from building regulations? A. Loft conversion B. Two-storey extension C. Underpinning foundations D. Detached garage less than 30m², 1m from boundary   ## 5. Why might lenders reject a property without planning consent? A. Risk of enforcement orders reducing marketability B. Higher insurance premiums C. Higher reinstatement value D. It is unregistered land   ## 6. What requires listed building consent? A. Installing double-glazed windows B. Altering internal walls affecting historical character C. Repainting exterior walls D. Replacing roof tiles   ## 7. Which body advises on Grade I listings in England? A. Environment Agency B. Local planning authority C. Historic England D. Building Control   ## 8. What is a key drawback of owning a listed building? A. Higher property taxes B. Mandatory RICS Level 3 inspection C. Mandatory solar panel installation D. Costly repairs using original materials   ## 9. Which category covers 92% of listed buildings in England? A. Grade II B. Grade I C. Grade II\* D. Category A   ## 10. What restriction applies in conservation areas? A. Alterations to a property's external appearance B. Tree removal may require consent C. Extensions affecting the historic character D. Demolition of original features   ## 11. Which environmental issue requires radon mitigation systems? A. Soil contamination from industry B. Overhead power lines C. Radioactive gas accumulation D. Near a mining town   ## 12. What legislation addresses coal mining subsidence? A. Environmental Protection Act 1990 B. Building Act 1984 C. Planning Act 2008 D. Coal Mining Subsidence Act 1991   ## 13. Which factor most threatens mortgage eligibility? A. Unresolved subsidence history B. Minor non‑Progressive Foundation Cracking C. Busy road proximity D. Seasonal settlement effects   ## 14. What is a lender's concern with contaminated land? A. Higher renovation costs B. Health risks affecting property value C. Mandatory demolition orders D. Increased insurance deductibles   ## 15. Why might HS2 railway affect lending decisions? A. Noise pollution during construction B. Temporary road closures C. Potential compulsory purchase and price volatility D. Improved transport links increasing value   ## 16. What is a risk of rent-a-roof solar schemes? A. Obligations for regular access B. No future roof modifications C. Mandatory planning consent D. Lease binding new owners for 20–25 years   ## 17. Which scheme replaced feed-in tariffs in 2019? A. Smart Export Guarantee B. Renewable Heat Incentive C. Green Energy Subsidy D. Carbon Offset Program   ## 18. What is a drawback of solar panels for resale? A. Mandatory roof replacements B. Reduced kerb appeal for some buyers C. Higher council tax banding D. Shorter mortgage terms   ## 19. Which cost is typically paid by the buyer? A. Estate agent fees B. Seller's legal fees C. Local authority searches D. Energy Performance Certificate   ## 20. What is a key consideration for ground rent? A. Inclusion in stamp duty calculations B. Tax-deductibility for freeholders C. Fixed rate for 99 years D. Escalation clauses in leasehold agreements   ## 21. Which fee applies to leasehold properties? A. Service charges B. Radon mitigation tax C. Conservation area levy D. FIT administration fee   ## 22. Why might lenders scrutinize rent-a-roof leases? A. Administrative complexity B. Restrictions on property alterations C. Large increase in building insurance D. Legnthy planning approvals   ## 23. What is a limitation of permitted development? A. Requirement to use exclusively traditional or heritage materials B. Obligation to install advanced energy-efficient features C. Excluded in designated land for extensions D. Mandates radon testing   ## 24. Which work requires building regulations approval? A. Garden shed up to 15m² B. Repointing brickwork C. Installing kitchen cabinets D. Loft conversion   ## 25. What affects reinstatement value calculations? A. Non-standard construction materials B. Proximity to schools C. Historical listing status D. Solar panel installations   Submit Answers   Overcome Mortgages is a trading name of CS Financial Group Limited, registered in England and Wales. Registered address: 10/12 Woolpack Yard, Kendal, LA9 4NG. Company Registration Number: 10731629. 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