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Awards from
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Feefo logoIndependant User Feedback96%
Customer - Buy to Let Remortgage
As a UK ex-pat I was looking to raise capital via a mortgage on a property I own in England. Unfortunately, it appears that ...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 - Remortgage
Capital Fortune delivered the mortgage that they said they thought they could provide for me, despite my age . They answered all my questions and were always helpful and quick . ...Read More
1 months, 1 day ago

Customer - Purchase
I had quite a difficult case, - self employed but with no accounts and had tried and failed to get a mortgage with 3 other brokers. However Capital Fortune seemed at the outset to be more familiar and understanding with my ...Read More
1 months, 3 days ago

Margaret O'Leary - Buy to Let Remortgage
The whole process was handled with expertise. The service was amazing. Peter Bartlett and Alex Fryday were my consultants during the mortgage process. ...Read More
1 months, 5 days ago

Gary Towlson - Remortgage
From start to finish, all members of the team on our case, have supported, sympathised, advised and guided us with nothing short of true professionalism. Even when we were hit with legal barriers and potential showstoppers, Capital Fortune were on ...Read More
1 months, 6 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 BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.29%Discount2 years 5.79%5.2%2 years £999
Furness BS 2 Year Discount £999 Fee BFU1.29%Discount2 years 5.79%5.2%2 years £999
NatWest Intermediary 2 Year Tracker £995 Fee Purchase £250 Cashback CNW1.34%TrackerOct-20214.24%3.9%31-Oct-2021 £995
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerAug-20215.69%4.8%31-Aug-2021 £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.39%FixedJul-20214.99%4.1%31-Jul-2021 £995
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £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
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.29%
then 5.79
(variable)
DiscountRead More
Furness BS 2 Year Discount £999 Fee BFU1.29%
then 5.79
(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
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.39%
then 4.24
(variable)
FixedRead More
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