Non-standard construction properties

Let’s have a constructive conversation.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Do you have a concrete, timber, steel-framed, or other non-standard construction you want a mortgage for? Then let’s talk.

Make an enquiry

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

A constructive conversation

We’ve helped many people buy non-standard construction homes, even when they have less than perfect credit histories. Our approach not only caters for property types most lenders won’t touch, it also considers your individual circumstances, not just your credit profile. So if you’ve had previous problems you can still qualify for a non-standard construction mortgage.

We’ll consider non-standard construction mortgages for:
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)


Key features
  • Loans from £3,000 to £1,000,000
  • Up to 60% LTV (loan to value)
  • CCJs and Defaults accepted (up to 60% LTV)
  • Variable rates from 6.37%
  • 5-year fixed rates available from 7.12%
  • Interest-only repayment options available


With added value

Customers looking for a mortgage for a non-standard construction property will find the same rates as they would for our other mortgages. And to make things more affordable, we offer an  5 year fixed rate option. Also, we don't hit you with early repayment charges if you want to pay off your mortgage early. And that’s even on fixed-rate mortgages.

Overall cost for comparison

For example: A loan of £78,905.00 payable over 14 years on our variable rate for the loan term of 14 years at our current rate of 6.69% (variable) would require 168 monthly payments of £760.27 plus a redemption administration fee of £150.00.

The total amount payable would be £127,875.00 made up of the loan amount plus interest on the loan (£42,841.09), broker fee (£1,250.00) and arrangement fee (£2,625.00) plus interest on these fees (£2,103.91) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.78% APRC representative. 

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.


8 steps to getting a non-standard construction mortgage

When you apply for a mortgage with us, one of our qualified mortgage advisers will guide you through each step of the process:

  1. We’ll make sure we understand your circumstances fully before recommending a suitable mortgage. If you’re happy, you’ll receive a ‘mortgage illustration’ providing all the relevant details about the product you’re applying for.
  2. Our mortgage advisers will take you through the full application process. We’ll tell you exactly what you need to do, and when, including sending us supporting documentation. For example, proof of income in the form of wage slips or your accounts.
  3. When we have everything we need, we’ll assess your application and supporting information.
  4. Then a surveyor will visit the property to ensure it’s mortgage-worthy.
  5. If it is, we’ll make you a mortgage offer, which means we’ve accepted your mortgage application.
  6. Our advisers will tell you what’s happening at each stage and, importantly, you’ll have their contact details if you want to get in touch.
  7. (For purchase only) Your conveyancer or solicitor will start to discuss exchanging contracts with the sellers and agree a date to complete the sale. This is a good time to take out buildings insurance.
  8. (For purchase only) Completion is the date you get the keys to your new home. We’ll transfer your mortgage funds to the seller’s solicitor. They’ll hand over the keys and there you have it...your property awaits.


Lending criteria
  • Maximum LTV (loan to value) – 60%
  • Maximum loan – £1,000,000
  • Variable rate terms – 3 to 30 years
  • Fixed-rate terms – 5 years then variable rates
  • Maximum age – 80 years at end of term
  • Credit profile – CCJs and Defaults accepted (even in the last 12 months)
  • Income types – employed, self-employed, temporary/zero-hour contracts, DWP benefits, pension

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday and 9am to 7pm on Friday. If you contact us by 2pm we guarantee to get back to you the same day. If it’s after 2pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Your home may be repossessed if you do not keep up repayments on your mortgage.

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