ex banker I am sorry but I disagree you, I am an independent adviser and I could tell you in 5mins who would mortgage this, not because I am an expert on house construction BUT because I have a good relationship with my chartered surveyor. When chartered surveyors are writing reports they have to be completed on the required format of that lender and submitted directly to them from the surveyor, not the client, not the advisor, so they have all this knowledge and share it with advisers they work with.
A bank does not offer independent unbiased advice and many banks no longer have advisers, they operate on an Information Only basis with a Cstomer Services Person A bank can only offer the limited product they banks sell.
The customer services person in the bank has no relationships with surveyors, as all this work is panelled out to such companies like Colleys, who then panel it out to DM Hall, J& E Shepherd etc.
Good Mortgage Advisors have a little more knowledge than just mortgages!