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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
John Coker - Purchase
Capital Fortune were extremely efficient at every stage of the process, from first contact all the way through to completion. Without their support, I ...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

Kim Macgreevy - Remortgage
Excellent ...Read More
11 days ago

Muhammad Tayyab Bashir - Purchase
They are very good . I tried somewhere else but refused . Capital fortune did in one week and I get my mortgage offer . Peter Bartlett and Alex Fryday dealt with my case . Very efficient and friendly. Always there when you need ...Read More
12 days ago

Rosemary Cole - Buy to Let Remortgage
Very efficient and knowledgable. Will certainly recommend to others. ...Read More
17 days ago

Gurdeb Mangat - Buy to Let Remortgage
I have found Capital Fortune efficient and quick in their dealings with me and the loan has been swiftly paid to me. Stephen Marsh and James Drury have been really helpful in dealing with my case/ ...Read More
19 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
Lender Initial Rate Type For Then APR* ERC* Fee
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%Discount2 years 5%4.56%2 years £0
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMar-20215.69%4.8%31-Mar-2021 £999
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedMar-20215.69%4.8%31-Mar-2021 £1999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Skipton BS 2 Year Tracker £995 Fee SBS1.41%Tracker2 years 4.99%4.3% £995
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
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
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.37%
then 4.99
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%
then 5.69
(variable)
FixedRead More
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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