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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Alicha Smith - Buy to Let Remortgage
Excellent service and support from all the team especially James Drury and Stephen Marsh. Very knowledgable and efficient and happy to spend time explaining ...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

Ann - Purchase
Everything went through smoothly, although mine was probably a 'difficult case'. The service from Ajay and Stephen was very professional and they guided me through the mortgage application step by step. ...Read More
12 days ago

Olufemi Babajide - Remortgage
Everyone we worked with during the process were amazing. I have never felt more informed during the process. Our emails always answered promptly. ...Read More
12 days ago

Ian Manns - Buy to Let Remortgage
They managed the whole process quickly, efficiently, and in a friendly manner. ...Read More
16 days ago

Emma Brogan - Purchase
Very efficient and experienced company. Would recommend to anyone trying to attain a mortgage in challenging circumstances eg the financial shortcomings of a difficult divorce. The communication we received from Capital Fortune was excellent and they kept us informed at ...Read More
17 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
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.34%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMay-20215.69%4.8%31-May-2021 £999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%Discount2 years 5%4.43%2 years £0
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedJun-20214.24%3.9%30-Jun-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedJun-20214.24%3.9%30-Jun-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.44%FixedMay-20214.99%4.4%31-May-2021 £995
Santander UK Plc 2 Year Fixed £1499 Fee Porting CAN1.44%FixedJun-20214%3.6%02-Jun-2021 £1499
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
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.41%
then 4.99
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
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
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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