While most homes in the UK are built with bricks and mortar, there are a significant number of properties that are considered non-standard construction. This can include anything from modern steel-framed houses to thatched cottages.

So, the phrase non-standard construction is a very loose term, and used to describe a wide variety of building styles, some of which are well-established and unlikely to cause lenders to seek additional information and can be pursued under normal residential mortgages.

All Mortgage Lenders have different rules and regulations about which types of non-standard or non-traditional construction they see as suitable for mortgage purposes. In addition, they generally take into account other factors that might affect the future marketability of the property when deciding whether to lend on property built of non-traditional construction.

What is a non-standard construction mortgage?

A non-standard construction mortgage is a mortgage that is specifically designed for properties that are not built with standard materials. This could include properties made from concrete, timber frames, or even thatch.

Can I get a mortgage on a non-standard construction house?

Yes, it is possible to get a mortgage on a non-standard construction house, but it may be more difficult than getting a mortgage on a standard property. This is because lenders perceive non-standard construction properties as being riskier, so they may charge higher interest rates or require a larger deposit.

How can a broker help me?

A mortgage broker can be a valuable asset when you are looking to buy a non-standard construction property. They can help you find lenders who are willing to offer mortgages on these types of properties, and they can also help you negotiate suitable terms.

Specific requirements for non-standard construction mortgages

In addition to the higher interest rates and larger deposits, non-standard construction mortgages may also have other specific requirements. For example, lenders may require a specialist survey of the property, or they may ask for additional documentation.

A broker can help you navigate these requirements and make sure that you are getting the most suitable  deal on your mortgage.

If you are thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible. They can help you understand the process and ensure that you are getting the most appropriate deal.