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Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Samir Abdulla - Remortgage
The service I received from Capital is indeed 7 stars. I know their charge is more than other brokers but they deserve every penny for ...Read More

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

Customer - Purchase
Peter Bartlett has been professional, quick to respond and successfully supported us with a complex overseas mortgage funded in Euros. ...Read More
4 months, 10 days ago

Samantha Morris - Purchase
Fantastic service - they made the process easy from start to finish. ...Read More
4 months, 16 days ago

Customer - Purchase
Capital Fortune has been professional, responsive, accurate and timely. In our efforts to obtain a mortgage in the UK from the USA, we had no personal experience. Capital Fortune has made the process much easier. ...Read More
4 months, 18 days ago

Frances Fernandes - Purchase
Peter Bartlett was completely responsive to any need or request of ours ...Read More
4 months, 26 days ago

Find out more

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 Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPR*ERC*Fee
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS0.95%FixedAug-20234.34%3.9%31-Aug-2023 £1499
NatWest Intermediary 2 Year Fixed £995 Fee Purchase CNW1.04%FixedAug-20233.59%3.2%31-Aug-2023 £995
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.05%FixedAug-20233.59%3.3%31-Aug-2023 £999
Platform Intermediary 2 Year Fixed £999 Fee £250 Cashback CTS1.05%FixedAug-20234.34%3.9%31-Aug-2023 £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.08%FixedSep-20233.59%3.3%30-Sep-2023 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.08%FixedSep-20233.59%3.3%30-Sep-2023 £999
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers BNW1.08%Fixed2 years3.59%3.2%2 years £999
Nationwide BS FTB 2 Year Fixed £999 Fee Cashback BNW1.08%Fixed2 years3.59%3.3%2 years £999
Nationwide BS 2 Year Fixed £999 Fee Purchase BNW1.08%Fixed2 years3.59%3.2%2 years £999
TSB 2 Year Fixed £995 Fee Purchase TSB1.09%FixedAug-20233.59%3.3%31-Aug-2023 £995
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
West Bromwich Building Society 2 Year Discount £999 Fee Purchase Free Val WBB1.39%
then 3.99
(variable)
DiscountRead More
Furness BS 2 Year Discount £999 Fee Cashback BFU1.49%
then 5.14
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.49%
then 4.35
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS0.95%
then 4.34
(variable)
FixedRead More
NatWest Intermediary 2 Year Fixed £995 Fee Purchase CNW1.04%
then 3.59
(variable)
FixedRead More
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.05%
then 3.59
(variable)
FixedRead More
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