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Capital Fortune is a national and
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and insurance broker.

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Non Standard Construction Mortgage

In the UK there is a huge variation of property types available, some being hundreds of years old while others were finished yesterday. As a result of having such a diverse range of homes available, there are lots of different types of construction and each of these has implications for mortgage lenders.

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What Our Customers Say

Geoffrey Willis - Purchase
A personal but entirely objective and professional service was provided by James and Stephen. All matters were dealt with promptly and the transmission of sometimes lengthy documents was facilitated by the company’s efficient computer system. In all, a sometimes ...Read More
19 days ago

Guy Shaw-Browne - Remo
Capital Fortune managed to get me a very good mortgage when nobody else could. Its like after 45 years in business and at the age of 66 you have gone past the sell by date for mortgages. Capital Fortune took all my ...Read More
26 days ago

Andy E - Purchase
Our mortgage application was managed by James Drury and Stephen Marsh. From the initial call with James through to our subsequent dealings with Stephen, the whole process was very smooth and clear. The dashboard to upload required information was easy. ...Read More
1 months, 6 days ago

Customer - Purchase
We were guided superbly through the entire mortgage application process by James Drury and Stephen Marsh. We are delighted to have received our mortgage offer. Many thanks. ...Read More
1 months, 9 days ago

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Standard construction

Standard construction in England and Wales is defined as brick or block walls. This means that anything else is considered non-standard. This could include homes with thatched roofs, concrete walls, high rise flats or modern prefabs- each type comes with different risks for a mortgage lender and as a result, each lender has a slightly different appetite for what they'll provide mortgages for.

Anyone who has bought a flat above the fifth floor in a block, or a timbre-framed home or tried to finance a Huf Haus will know that it's no easy task finding a mortgage. This can be frustrating, as often the quality of the property is of a very high standard, but the lender has rules about what they will and won't lend against.

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Know your lenders

Knowing which lenders are willing to lend on the different types of non-standard construction is critical to getting your mortgage approved; applying to one and hoping for the best is likely to result in being declined, and this can have a negative impact on your credit score.

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Not all mortgage brokers specialise in helping borrowers to secure a mortgage but having a really good, up to date knowledge of which lender is looking for what can mean you are able to buy your dream home or not. Speak to a specialist now.

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Find Out Current Rates

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.

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