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Muhammad Akhtar - Purchase
Excellent professional advice provided very promptly ...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 - Buy to Let Remortgage
Super efficient and transparent service. From the first email to the issuance of the mortgage offer, Peter Bartlett was available to provide sound guidance and address every query I had. Although my situation is complex, being an expat, non-UK national, ...Read More
15 days ago

Customer - Purchase
James was excellent in the initial stages; he was knowledgeable, engaged, and proactive. I would give James 5 stars if he had been the only person I dealt with. However, once I was passed over to another member of the team ...Read More
16 days ago

Mark Guy - Purchase
Fast and efficient with no hassle and great deals ...Read More
19 days ago

Customer - Purchase
Fast and efficient service helping us arrange our mortgage. Thank you so much Peter & Anna. ...Read More
20 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
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG1.48%Discount2 years5.49%4.86%2 years £0
Progressive BS 2 Year Discount No Fee Purchase Family Assist BPG1.48%Discount2 years5.49%4.86%2 years £0
Progressive BS 2 Year Discount No Fee Purchase BPG1.48%Discount2 years5.49%4.86%2 years £0
Progressive BS 2 Year Variable No Fee Purchase Foreign Currency Loan BPG1.58%Discount2 years5.49%4.88%2 years £0
Beverley BS Complete FS 2 Year Discount £1895 Fee Purchase BBV1.77%Discount2 years5.24%4.9%2 years £1895
Beverley BS 2 Year Discount £1895 Fee Purchase BBV1.77%Discount2 years5.24%4.9%2 years £1895
West Bromwich Building Society 2 Year Discount £999 Fee Purchase Free Val WBB1.89%DiscountNov-20244.79%4.4% £999
Skipton BS 2 Year Tracker £995 Fee SBS1.91%Tracker2 years4.89%4.1% £995
Scottish BS 2 Year Discount £995 Fee £250 Cashback for Remortgage England Postcodes BSO1.99%Discount2 years5.75%5.3%2 years £995
Scottish BS 2 Year Discount £995 Fee BSO1.99%Discount2 years5.75%5.3%2 years £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
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG1.48%
then 5.49
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase Family Assist BPG1.48%
then 5.49
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.48%
then 5.49
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Monmouthshire BS 2 Year Fixed £999 Fee Energy Efficient Home Purchase (A Rated EPC) BMO2.89%
then 5.49
(variable)
FixedRead More
Yorkshire Building Society Direct 5 Year Fixed No Fee Purchase £400 Cashback YBS3.15%
then 4.99
(variable)
FixedRead More
Progressive BS 2 Year Fixed No Fee Purchase Family Assist BPG3.19%
then 5.49
(variable)
FixedRead More
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