Can I Get a Mortgage On a Non-Standard Construction House?

A non standard construction house is a term used to define houses that don’t fit the traditional brick and tile build. Buying a non-standard construction property can be more complex than a standard mortgage, as lenders typically require additional details about the building’s structure, materials, and condition before approving finance.

So, what exactly is a non standard construction mortgage?

Whether you’re looking at a timber-frame property, a thatched cottage, or a prefabricated home, the type of construction plays a big role in how lenders will assess your application.

In this article, we explore everything you need to know about getting a mortgage on a non-standard property. From how lenders assess non-standard constructions, to surveys required and insurance benefits. Let’s begin.

What Is Considered a Non-Standard Construction House?

A non-standard construction is any property that isn’t built from traditional brick walls with a slate or tiled roof. Instead, these homes will use alternative materials such as timber, steel, concrete, thatch, or even innovative eco-friendly designs.

There are many types of non-standard construction houses in the UK, common examples include:

• Timber-Frame Properties: Found in both historic homes and modern eco-builds, timber-framed properties often require careful surveys to ensure structural integrity and lender approval for a non standard construction mortgage.
• Steel-Framed Houses: Built in large numbers after the Second World War, steel-framed homes may have unique maintenance considerations and often need specialist lenders to secure a mortgage.
• Precast Concrete (PRC) Homes: These homes frequently require certification or repairs before becoming mortgageable, as lenders assess the long-term durability of the concrete panels.
• Prefabricated Homes: Modular or factory-built houses may need specialist lenders and tailored survey assessments for a non standard construction mortgage.
• Thatched Roof Cottages: Full of character, thatched properties often come with higher insurance costs and may require additional documentation for lender approval.
• Barn Conversions: Increasingly popular, barn conversions are structurally unconventional and typically require detailed surveys to meet mortgage requirements.
• Listed Buildings: These properties often require specialist attention and careful renovation, with lenders considering both preservation obligations and structural assessments before approving finance.

As the title “non-standard” would suggest, their unusual structures and construction means that lenders will generally view non-standard properties as higher risk compared to that of standard properties.

If you’re unsure how to tell if a house is non standard construction, a full property survey will usually confirm the build type. In the scenario that you’re looking to purchase a property, both sellers and estate agents are required to disclose any non-standard elements – particularly in homes like listed buildings where structural alterations are heavily regulated.

At Boon Brokers, our dedicated mortgage advisers specialise in non-standard construction mortgages and can guide you through every step of the process. From interpreting surveys to identifying lenders willing to consider non-traditional properties, we provide personalised, fee-free mortgage advice to help you secure a mortgage that matches your needs.

What Lenders in the UK Offer Mortgage for Non-Standard Construction Houses?

All UK Lenders will enquire and complete a careful assessment of the structure, materials, and overall condition to ensure the targeted property for a mortgage meets their specific lending criteria. There are many UK lenders who will allow mortgages for non-standard constructions, however, securing a mortgage on a non-standard construction house will be more challenging and complex than a traditional mortgage application. Specialist lenders and some building societies are more willing to offer mortgages for non-standard construction houses, especially if a full survey has been carried out and any required repairs are completed.

When applying for a non standard construction mortgage, it can really help to understand all the key requirements lenders will typically consider:

Understanding these requirements can help you prepare for discussions with your chosen lenders. By working with a trusted whole-of-market mortgage broker, you will be guided through the mortgage application process, with expert support in finding lenders who are open to mortgages on non-standard construction properties.

At Boon Brokers, our fee-free, whole-of-market advisers will help simplify your mortgage application for non-standard properties. Our dedicated mortgage experts will find you the lenders that match your property and financial needs. We can arrange surveys and help ensure that all of your documentation meets requirements, and guide you through every step – from start-to-finish – greatly improving your chances of success.

Do I Need a Special Survey or Insurance for a Non-Standard Construction House?

Yes, when buying a non-standard construction house, lenders will generally require a full building survey (structural survey) to be completed. This type of survey will evaluate in greater detail the building materials, methods of construction, structural integrity, and overall condition of the property. In addition, lenders may also stipulate the inclusion of specialist insurance that covers specific structural repairs and risks.

Survey Requirements for Non-Standard Construction Houses

A full building survey is often a requirement from most UK lenders on non standard construction properties. This survey goes beyond a standard homebuyer report to assess any and all unusual materials and construction methods.

Key points to consider when arranging a survey:

• Survey Type

It is important to know exactly what survey is required for your mortgage application. While working with a trusted mortgage broker can help guide you through this process, consider a full structural survey for timber frames, steel-framed homes, prefabricated houses, or thatched properties.

• Purpose

A specialist survey highlights any defects, necessary repairs, or structural weaknesses that could affect the property’s long-term stability. Lenders want reassurance that unusual materials or methods, such as steel frames or thatched roofs, do not pose hidden risks. It is important to note that the findings can influence both mortgage approval and the type of insurance available.

• Documentation

Lenders will request a copy of the survey to confirm that the property is mortgageable. This report acts as evidence that the home has been professionally assessed and deemed suitable security for the loan. In some cases, lenders may attach conditions to the mortgage, requiring repairs to be completed or further investigations before funds are released.

Insurance for Non-Standard Construction Houses

Many standard home insurance policies will not include cover for non-standard construction properties. As such, non-standard construction home insurance is a specialist type of insurance that will differ from standard home insurance. Specifically, it will include cover for the nuances of a non-standard construction, such as materials, method of construction, repairs.

Key points to consider when securing home insurance on a non-standard property:

• Specialist Insurers

Some UK providers specialise in insurance cover for non-traditional homes, offering tailored policies that account for the higher risks associated with materials like steel, timber, or thatch. Choosing a specialist insurer ensures the property is adequately protected and prevents gaps in cover that could arise with a standard policy.

• Policy Coverage

It is crucial to confirm that the home insurance policy fully covers the property’s construction type. This may include protection for timber frames, prefabricated sections, or thatched roofs, which can be more expensive to repair or replace. A tailored policy offers peace of mind that the home is insured to its true rebuild value.

• Lender requirements

Adequate home insurance will generally be required by UK lenders as a condition of the mortgage approval. Lenders need assurance that any potential repair or rebuild costs can be met, reducing the financial risk of lending on an unconventional property. Proof of cover will typically be required before mortgage funds are released.

By taking the precautionary steps to arrange both the right survey and insurance, you can help protect your investment and meet the lender conditions for a non standard construction mortgage.

Can a Mortgage Broker Help Me Get a Mortgage for a Non-Standard Construction House?

Yes, having a mortgage broker can make securing a mortgage on a non standard construction house significantly easier. Specifically, lenders often apply stricter criteria to non-traditional properties. An experienced mortgage broker can match your application with the most suitable lender, guide you through all the survey and documentation requirements, and increase your chances of mortgage approval.

At Boon Brokers, we offer expert, fee-free mortgage advice and specialise in guiding clients through non standard construction mortgage applications. With whole-of-market access, we work with a wide range of lenders and will find a product that matches your specific needs. We can help you:

• Assess your financial situation and advise on deposits, LTV, and interest rate considerations.
• Identify lenders willing to offer mortgages for non-standard construction houses.
• Ensure surveys and insurance policies meet lender requirements.
• Present your application in the strongest possible way to reduce delays or rejections.

Whether you’re looking for help with surveys, insurance, or understanding lender requirements, our fee-free service ensures you have the support and advice you need to secure a mortgage that is tailored to you.

Contact Boon Brokers today to speak with an expert mortgage adviser and get personalised guidance that is tailored to your needs.