Whether you’re purchasing a traditional home, a timber-framed property, or something more unusual like a listed building or holiday let, different property types often require tailored mortgage solutions. Each type may need a specific mortgage product and a lender who specialises in that property category, which is where our expertise comes in. We work closely with a wide range of lenders to find the best rates and terms for your specific needs, ensuring you get the right mortgage for your property.

Here’s a list of different property types, including those with more specialised purposes;

• Standard Residential: Traditional homes such as detached, semi-detached, and terraced houses, as well as flats and apartments.

• Non-Standard Construction: Properties made of materials other than brick and mortar, such as timber-framed, steel-framed, or thatched-roof homes.

• Listed Buildings: Properties that have historical significance and are subject to special regulations on alterations.

• Equestrian Properties: Homes with land and facilities for keeping horses, such as stables, paddocks, and arenas.

• Agricultural Land and Buildings: Farms or properties with large plots of land used for farming, livestock, or growing crops.

• Holiday Lets: Properties intended for short-term vacation rentals, including cottages, lodges, and coastal homes.

• Multi-Unit Freehold Blocks (MUFB): Buildings that consist of several flats or apartments, but where the buyer owns the freehold for the entire block.

• Commercial Properties: Buildings used for business purposes, including offices, retail shops, and industrial units.

• Buy-to-Let Properties: Homes purchased specifically to rent out on a long-term basis to tenants.

• Mixed-Use Properties: Buildings with both residential and commercial elements, such as a shop with a flat above.

• New Builds: Newly constructed properties, often requiring specific types of mortgages.

• Shared Ownership: Properties bought as part of a shared ownership scheme, where the buyer purchases a portion and rents the rest.

• Self-Build Properties: Homes built by the owner, requiring specialist self-build mortgages.

• Ex-Local Authority: Former council or social housing properties, which may have specific mortgage criteria.

• Park Homes: Mobile or modular homes situated in residential parks.

• Eco-Homes: Properties designed with sustainability and energy efficiency in mind.

• Barn Conversions: Agricultural buildings converted into residential homes.

Each type of property may require a different mortgage product, and our role at RH Mortgage & Financial Solutions is to find the best lender and rates for your specific needs.