A mortgage for a non-standard construction house is designed for properties that don’t fit the typical criteria of brick or stone walls with a slate or tiled roof.

Non-standard construction includes homes built using materials or methods such as timber frames, thatched roofs, concrete, steel frames, or prefabricated structures. These types of properties are generally considered riskier by lenders due to potential structural concerns, longevity, and resale value, which can affect financing options.

When purchasing or remortgaging a non-standard construction property, lenders may apply stricter criteria, which could include a larger deposit, higher interest rates, or additional surveys to assess the property’s condition. Some lenders may even require specific insurance policies due to the materials or construction type.

RH Mortgage & Financial Solutions specializes in finding tailored mortgage solutions, including options for non-standard construction properties. Our expertise in this area allows us to advise on lenders who are more flexible with these unique types of homes and ensure you have the right mortgage to suit your needs.