The lender’s security is in the property itself and non-standard or non-traditional construction makes the integrity and durability of that building far less certain. You may not get the competitive premiums that you’d get on a standard property. Although some non standard buildings can be beautiful to look at, mortgage lenders are focussed on the structural integrity of the property. Customers in the market for non-standard construction mortgages should also be mindful of the following…. Onlinemortgageadvisor.co.uk is an information website – all of our content is written by qualified advisors from the front line, for the sole purpose of offering great, relevant, and up to date information on all things mortgages. You will need to find the lender best positioned to help customers with this specific type of credit problem. As such, lenders tend to offer them at more onerous terms – lower LTVs, higher interest rates and stricter affordability requirements are not uncommon. This means there are all sorts of construction types that can fall into the non-standard category, including: In a word: yes! In the world of many mortgage lenders, a ‘standard’ property is built from brick, has a roof that is tiled and concrete foundations. If you still have questions about non-standard construction mortgages, the experts at Think Plutus can give you the right advice. Obtaining a mortgage. Halifax Homeowner Variable Rate - for mortgages applied for after 4th January 2011. Sadly, many clay lump buildings haven’t been very well maintained, and the ones that are still standing are often patched together with more modern parts, such as cement and brick. If the initial survey reveals that the building might contain asbestos, or have an unusual frame, they’ll want to see a more detailed structural survey. *Based on our research, the content contained in this article is accurate as of most recent time of writing. Halifax Standard Variable Rate - for mortgages applied for before 4th January 2011. We passionately believe that our 5-star mortgage broker services will prove highly beneficial for you if you are in a complicated situation, we have and always put our new or … It describes any building that is not built from bricks and mortar – think things like rural cottages made from clay or penthouses in a high rise made of steel and concrete. Some lenders have not issued mortgages to people if they own a BISF home, or want to buy one. This means that mortgages on non-standard construction are often treated on a case by case basis. Truth be told, plenty of non-standard property types are, structurally-speaking, very strong and reliable. It may be necessary to seek out a specialist lender. These can be found on individual buildings, often having been business owner’s accommodation in the past, or above a row of shops in the typical 1970’s style shopping parade still found in so many towns. Think Plutus® is a trading name of The Finance Planning Group Limited. So if you’ve had previous problems, or live in a non-standard property, you could still qualify for a Right-to-Buy mortgage. Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. If they are offering a mortgage over a period of many years then they want to know that the property will remain standing for at least the same amount of time. Having said that, there are specialist insurers who are more familiar with non-standard property types and may offer a good deal. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. The main difference, really, is that mortgages on non-standard construction are seen as a higher risk. Some lenders may even insist on this with a non-standard construction property such as a concrete build house. What mortgage term would you like? Though ‘K Lath’ is a proprietary product, the term is now used to describe a range of reinforced lath construction techniques. We’ll find the perfect mortgage broker for you - for free, Save time and money with an expert mortgage broker who specialises in cases like yours. K Lath is a reinforced mesh that is sometimes applied to reinforce cladding and stucco walls. Why is getting a non-standard construction mortgage more difficult? Registered office: Hurstwood Grange, Hurstwood Lane, Haywards Heath, West Sussex RH17 7QX. Mortgage Solutions has access to companies who will lend on Non - Standard Construction properties,these can be concrete, prefabricated, Steel frame houses regardless of whether they have been repaired or not. When lenders are less confident in their understanding of a property, many of them will rely more on the comments of the valuer than they would on their usually defined criteria. The answer really depends on the house in question. Santander has granted finance on steel framed properties, which are more subject to the valuation. Get in touch and one of the expert advisors we work with can help you find a lender more sympathetic to your circumstances. In fact, there are plenty of unusual properties that are, from a structural point of view, just fine. Non-standard construction mortgages aren’t too dissimilar, from a practical point of view, then mortgages for houses of a regular construction. Please email us on [email protected] if you see anything that needs updating and we will do so ASAP. The more deposit you’re able to put down, the better. This means that if there are mortgage products in the market that suit your circumstances, our help can increase your chances of getting one and make sure it is the most favourable deal available to you. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. We are an information only website and aim to provide the best guides and tips but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong. For example, thatched roofs need to be completely replaced every 30 years or so. ’Non-standard’ construction covers a huge category in the property world. If the property you are looking to purchase / re-mortgage fits outside of this criteria then we have access to specialist lenders who will consider in excess of 100 ‘non-standard construction’ or ‘non traditional’ properties such as Wimpey No Fines, Wates, Woolaway and Reema. Think Plutus helps people arrange mortgages on a wide range of non-standard construction properties, so we can quickly help you get an idea of how likely it is that you will obtain the mortgage you need. Then sit back and let us do all the hard work in finding the broker with the right expertise for your circumstances. So as a general rule, non-standard properties are considered riskier and thus harder to finance. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. We were told at the time they were 1 of 2 lenders. concrete, steel or timber can be difficult and getting a good mortgage rate for a non standard construction property can be even harder! When lenders don’t feel confident about their understanding of a property, they are likely to be more heavily reliant on the comments of the valuer than they would usually be. In a much smaller lending market, eligibility is particularly important, and lending criteria can change over time. Here at First Choice Finance we have multiple low rate non-standard construction mortgage lender plans. Equity released from your home will also be secured against it. Can I get a non-standard construction mortgage? Some lenders blanket refuse to lend on certain properties that should really be fine. You may have to look further. Just because you manage to get a mortgage on a non-standard property, doesn’t mean that a potential buyer later down the line will be able to do the same. The main difference is the perceived level of risk, so with non-standard constructions being seen as more high-risk, you can expect more onerous terms, including: The following building materials are considered ‘non-standard’ or ‘non-traditional’ for property construction: Clay lump houses are most commonly associated with Norfolk, where the material was very popular in the 19th and 19th centuries. They will offer any advice specific to you and your needs. By categorising construction types as ‘standard’ and ‘non-standard’, lenders can mitigate risk. Pete's presence in the industry as the 'go-to' for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. For non-standard construction mortgage advice you can trust, Think Plutus. They will offer any advice specific to you and your needs. Can I get a mortgage for a non-standard construction property in Scotland? In niche lending territory like this, a specialist mortgage broker for bad credit and non-standard construction is essential to ensure that you end up with the most favourable rates available. As such, K Lath is a proprietary product, but the term is now often used to describe various reinforced lath constructions. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Non Standard Construction Mortgage Halifax It is recommended for financing major one-off expenses, including home renovations or repairs, medical bills, repayment of credit card debt, or funding college tuition. We only found out about the non-standard construction from the mortgage valuation. As far as they’re concerned, everything else is ‘non-standard’. By making an enquiry you accept that your information will be passed to one of the specialists. Furthermore, the brokers can arrange non-standard construction mortgages with the following lenders…. The most competitive premiums that you’d see on a standard property may not be accessible. If you also have bad credit, this can add another complication to a non-standard property mortgage, given that there will be fewer providers to choose from. The majority of high rise concrete homes you see today were constructed in the sixties and seventies, and providers won’t usually grant a loan for homes made of non-standard materials like concrete. We have a meeting with a mortgage advisor later on in the week, but was just wonde ... Don't know about Cob Walls but we got our non standard (clinker block) with the Halifax last year. Yes, there are specialist lenders who offer non-standard construction mortgages. The problems with concrete homes become more apparent over time, therefore, you will need to source specialist modern materials home insurance when you own such a ho… Think Plutus® is a registered trademark. We moved into our non-standard construction property yesterday it's poured concrete too. Non-standard construction mortgages aren’t too dissimilar, from a practical point of view, then mortgages for houses of a regular construction. The best way to do it right is to seek the advice of a whole-of-market broker like Think Plutus. Thatched roofs, for example, must be replaced entirely approximately every 30 years. This doesn’t mean, however, that a risk-averse lender will offer you a mortgage for a non-standard construction house if it violates their criteria in some way. The expertise of a mortgage broker could be priceless. For example, if the building is listed – they’ll probably want to see a specialised Listed Building Survey. Lenders are always looking at the resale market, in the instance that a buyer defaults on their repayments and the bank is forced to resell the property. Think Plutus can help you find the right insurer for various property types so don’t be afraid to ask. It’s a form of earth construction that involves clay-rich materials. Read more on mortgage deposits here. As the demand for non-standard housing is much more limited than a standard property, lenders will find it harder to recoup their … If you want to start the process, we’ll arrange a consultation and get the ball rolling on finding you the right lender for your circumstances. We have a strong understanding of all types of construction and we know the lenders that are more likely to be sympathetic to them. This is because lenders often restrict: The nature of property . Copyright © 2020 Think Plutus, Mortgage Broker London We don’t charge a fee and there’s absolutely no obligation or marks on your credit rating. Yes, there are mortgages available, though it may be more challenging than getting a non-standard construction mortgage in England and Wales as many lenders do not cover Scotland. An APRC is calculated using a standard method so it provides an effective way for you to compare quotes from different lenders. Contact Think Plutus today and we will ensure that you target the lender(s) who will be most sympathetic to your circumstances. Cob is another old English style of construction that was particularly popular in Southwest England and Cumbria. Our knowledge and experience of the differences in lender criteria could be the difference between getting a great mortgage and being swiftly declined. Yes, this is possible, although it may prove more difficult than getting a non-standard construction mortgage in England and Wales since fewer lenders offer mortgages in Scotland. A steel house mortgage, therefore, may be difficult to secure. This is because prefab property has long carried an image of being poor quality. Timber Framed: Some high-street mortgage and insurance providers view timber-framed homes as non-standard. Cob is another classical English construction style that was quite prominent in Cumbria and the Southwest of England. Even so, if a non-standard construction house doesn’t fully meet their criteria, a risk-averse lender still may not offer a mortgage on it. All Rights reserved. If there is evidence of asbestos, or the building’s frame is unusual, they will want a more detailed structural survey to be carried out. Given that there are a number of mortgage providers who will lend on these properties, seeking advice from a whole-of-market broker is recommended. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The team at Think Plutus have compiled this guide to non-standard construction mortgages to help you understand how they work, what options are available and how you can get one. Certain types of property can be modified by either moving them into the ‘standard’ category or significantly reducing the amount of structural risk associated with them. While some of these styles are accepted by mortgage lenders, some may cause issues for buyers when it comes to taking out a mortgage.. Certain types of homes are more likely to be classed as 'of unusual construction' - many council houses in the 1950s and '60s were prefabricated or built with concrete.. Think Plutus can help you obtain non-standard construction mortgages with the following lenders, subject to eligibility: There are various lenders who will provide a mortgage on non-standard properties, but there will be strict criteria that differs from one lender to the next. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background. Mortgages for homes with unusual construction are more difficult to secure. With fewer providers to choose from, it’s even more important to seek specialist advice to find the most favourable rates available. Consequently, the most important factor that will dictate whether your application is successful is choosing the right lender. If the place that you’re looking at is of unusual construction (or you have a strong suspicion that it is), it’s worth speaking to a mortgage advisor early into the process. Categorising things into ‘standard’ and ‘non-standard’ is a way for lenders to mitigate their risk. Online Mortgage Advisor is a trading name of FIND A MORTGAGE ONLINE LTD, registered in England under number 8662127. This is the best way to ensure you will end up with the most favourable deal that is available to you. This is why it’s essential to have a survey carried out before applying for a non-standard construction mortgage, and maintenance may be a key component of any mortgage deal you get. We are an officially recognised Introducer Appointed Representative and can be found on the FCA financial services register, number 697688. Houses build from the following materials are also considered ‘non-standard’ or ‘non-traditional’…. Our experience with lenders lets us know which of them have financed properties like the one you’re looking at in the past. To get an idea how much you could borrow on a Buy to let mortgage, visit our mortgage calculator . Registered in England No. I own a non-standard construction property (woolaway). For many mortgage lenders, a ‘standard’ property construction involves brick walls, concrete foundations and a tiled roof. A whole-of-market broker can access lenders that are not publicly available. Find out more: improving your mortgage chances; 3) Properties made of concrete. As such, the insight and expertise of a whole-of-market broker like Think Plutus are highly recommended. Insurers tend to take a similar approach to non-standard properties as lenders do. If you have questions about non-traditional construction mortgages and want to speak to an expert for the right advice, call Online Mortgage Advisor today on 0808 189 2301 or make an enquiry. You might need a non-standard construction mortgage if you want to buy a property which is constructed out of something other than bricks and mortar. For these lenders, anything that deviates from this is ‘non-standard’. These mortgages aren't available to first-time buyers or applicants under the age of 25. It’s also very likely that the lender will want more information than they’d get in a normal survey. The most common types of construction in the UK include: Timber Frame Extremely popular with Self Builders due to its energy efficiency and the fact that it is a relatively quick method of construction If you are considering a non-standard construction mortgage, you should keep the following in mind: Many types of non-standard construction require special maintenance or treatments that can be expensive. Clay lump is most associated with houses in Norfolk, and was very popular between 1700 and 1900. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. © 2021 Online Mortgage Advisor. The non-standard construction lenders which do operate north of the border tend to have postcode restrictions in place, so it may prove difficult to secure a mortgage on an unconventional property in the Highlands or away from the mainland, for example. Mortgages for Properties With a Flat Roof. How do I get a non-standard construction mortgage? Lending terms vary depending on construction types and if a repair scheme, where appropriate, has been used. With a listed building, for example, they will probably require a specialist Listed Building Survey. The main difference, really, is that mortgages on non-standard construction are seen as a higher risk. Non-standard construction lenders who do cover Scotland often have postcode restrictions, so securing a mortgage on an unconventional property in, say, the Highlands or off the mainland may be particularly difficult. I’ve had 2 mortgages on it in 24 years - Halifax and Birmingham Midshires, the latter being 12 years ago. The good news is that the expert brokers we work with know who they are and have a great working relationship with them. Thus, every lender has its own criteria, with certain non-standard property types preferred to others. Speak to a non-standard construction mortgages expert, Converting a non-traditional construction property, get a mortgage with a debt management plan, Online Mortgage Advisor Leadership and Writing Policy. The brokers we work with can find it for you, and at the most competitive rate possible. Our mortgage was also with Natwest, seems like it could be the way to go! Construction requirements. Providers may have differing ideas of what a non-standard construction is, with some being happy to include stone, slate or flint construction as standard while others will not. It really depends on your circumstances and the nature of the property in question. Non-standard mortgages are a niche lending market and eligibility is particularly important. Getting a mortgage if your property is built from non standard construction e.g. How Does a Home Equity Loan Work? Contact us today by phone or by filling out the contact form and we’ll answer your questions. Mortgages and Furlough: Expert advice on how to get a mortgage after being on furlough. It has been recognised recently as a green building technique, which has led to something of a resurgence. While there is less choice than for a standard mortgage, there are still many lenders who will be happy to consider your application. For example, let’s say you want to get a mortgage with a debt management plan against your name. No problems with buildings insurance either. Having experienced Mortgage Advisors in Halifax, we work with lots of mortgage lenders that specialise in different areas. It’s seen something of a resurgence lately as a green building technique. The longest term you will be to apply for is up to your age of retirement. This is common, for example, with certain types of steel framed house, which can be reinforced, thus making them safer. Other lenders treat their criteria more like guidelines and care more about the valuation and survey of the property. 3894404. Searching For Reverse Mortgage Funding Mortgagee Clause Bdo Calculator Home Loan Non Standard Construction Mortgage Halifax New Executive Mortgage No Closing Cost Mortgage Natwest Offset Mortgage Rates Note Vs Mortgage New Day Home Loans Nationwide Credit Score Mortgage Nations Mortgage Anderson Sc Northeast Home Loan . Nationwide doesn’t lend on anything above 5 stories unless it is located in London. As a whole of market broker, Think Plutus has access to lenders that simply aren’t available to the general public. However, as there are so many non-standard property types, they cannot be classed as equal in terms of risk. Often, this is done as a component of a certified repair scheme, which can be very expensive to have done. Where a property is of non traditional construction please contact your usual Service Centre with the following detals for further advice: Your Mortgage Illustration will detail the fees which are included in this calculation. Location, for example sometimes being near a factory, river or … You may have managed to obtain a mortgage on a non-standard property, but that doesn’t necessarily mean that another buyer will be able to later on. Privacy Policy / Cookie Policy With certain types of steel-framed house, it is not uncommon to have the frame reinforced to make the construction safer. The Financial Conduct Authority does not regulate some forms of buy to let mortgage. Think carefully before securing other debts against your home. They are also concerned about the property’s value decreasing due to lack of maintenance in certain property types. But, as you can imagine, non-standard properties are not equally reliable, and every lender tends to have its own criteria, favouring certain non-standard properties over others. Let us take the hard work and stress out of the equation for you and ensure you get the best possible deal. It may be necessary to apply for a non-standard construction mortgage if you hope to buy a property that is built out of anything other than bricks and mortar. This is an annual interest rate which takes account of fees and charges to reflect the total cost of your mortgage. Most lenders will only lend on standard brick and tile or stone and slate construction properties. (don't know how true that was Then again, there are specialist insurers out there who better understand the specific type of property better and who can offer you a better deal. Non Standard Construction Mortgage When trying to get a mortgage for non standard construction, it can prove to be problematic. BISF is a common non-standard construction property type and we have spoken to people who have needed our help in finding a mortgage for them in the past. Other lenders consider their criteria to be more of a guide than a set of requirements, and will pay more attention to the survey and valuation. 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