When buying a home, most people expect it to be built with traditional brick and block construction. But many properties in the UK are made using non-standard construction methods — such as timber frames, concrete panels, steel frames, or prefabricated elements. While these homes can be structurally sound and offer unique benefits, they often present challenges when it comes to securing a mortgage.
What Are Non-Standard Construction Properties?
Non-standard construction (NSC) refers to homes built using materials or techniques that differ from the traditional brick and block method. Examples include:
- Timber-framed houses
- Concrete or steel panel homes
- Prefabricated or modular homes
- System-built or panel-built properties
These properties were more commonly built between the 1950s and 1980s, often to meet housing demands quickly.
Why Do Non-Standard Construction Properties Present Mortgage Challenges?
Many high street lenders view NSC homes as higher risk due to:
- Potential structural concerns or uncertainty about long-term durability
- Difficulty in assessing the property’s value or resale potential
- Limited availability of building insurance, which lenders require
As a result, not all lenders offer mortgages on these properties, or they might apply stricter lending criteria such as larger deposits or higher interest rates.
How Can We Help?
We are extremely good at helping buyers and homeowners with non-standard construction mortgages. Here’s how we support you:
- Access to Specialist Lenders: We work with lenders who understand NSC homes and offer mortgage products tailored to these properties.
- Expert Valuation Guidance: We advise on surveys and valuations needed to satisfy lenders and protect your investment.
- Personalised Mortgage Advice: Every NSC property is unique — we tailor mortgage solutions to your specific circumstances.
- Remortgaging Assistance: We help existing homeowners remortgage their NSC properties, often to release equity or improve terms.
What Should You Consider Before Buying an NSC Property?
- Get a thorough survey: A specialist survey can highlight any structural issues and give you peace of mind.
- Check mortgage eligibility early: Speak to a broker to understand which lenders will accept your property.
- Understand insurance requirements: Some NSC homes may need specialist building insurance, which can impact costs.
- Plan for resale: NSC homes may be harder to sell later, so factor this into your investment decision.
Final Thoughts
Non-standard construction properties can offer excellent value and character but securing a mortgage requires specialist knowledge and access to the right lenders. With the right advice, you can navigate the challenges and find a mortgage solution that works for you.
If you’re considering buying or remortgaging a non-standard construction home in the UK, get in touch with us today. We’re here to guide you every step of the way.
Emily's Mortgage Services LTD 