Cashback Remortgages · Property checks
Non-Standard Construction Mortgages
Non-standard construction covers homes not built with traditional brick and tile — timber or steel frame, concrete, or thatch. It affects which lenders will lend.
What counts and why
Lenders assess construction because it affects durability, insurability and resale. Some types are widely accepted; others, such as certain prefabricated reinforced concrete homes, are lent on only by specialists.
A surveyor's assessment is central.
What to check
Establish the exact construction type, any past repairs or certification, and whether it is insurable on normal terms. Advice helps match the property to a suitable lender.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.