Non-Standard Construction Mortgages | SNS Mortgages & Financial Services
Non-standard construction properties can be unique, characterful, and sometimes more affordable — but they can also present challenges when it comes to mortgages and insurance.
At SNS Mortgages & Financial Services, we specialise in helping clients secure mortgages for properties that fall outside standard construction, matching you with lenders who understand these types of homes.
What Is Non-Standard Construction?
Non-standard construction refers to properties built using unconventional materials or methods, rather than traditional brick and tile.
Examples include:
- Timber-framed homes
- Steel or concrete structures
- Prefabricated (prefab) properties
- Thatched roof cottages
- Single-skin brick properties
- High-rise flats
- Listed or heritage buildings
These homes can be found across the UK — from rural countryside locations to modern urban developments.
Why Are These Properties Different?
Non-standard homes often offer benefits such as:
- Unique design and character
- Potentially lower purchase prices
- Energy efficiency in some cases
However, they can also come with challenges:
- Limited mortgage options
- Higher insurance costs
- Maintenance requirements
- Potential resale difficulties
Understanding these factors is essential before making a purchase.
What Is a Non-Standard Construction Mortgage?
A non-standard construction mortgage is designed for properties that don’t meet typical lender criteria.
Because these properties may carry higher risk, lenders may:
- Apply stricter affordability checks
- Require larger deposits
- Offer fewer product options
- Charge slightly higher interest rates
Each lender has its own rules, so choosing the right one is critical.
Can You Get a Mortgage on a Non-Standard Property?
Yes — but it can be more complex than a standard mortgage.
Lenders assess:
- Property type and condition
- Structural integrity
- Marketability and resale value
You may be required to:
- Provide detailed property surveys
- Show evidence of maintenance or repairs
- Put down a larger deposit
Specialist lenders are often more flexible in these cases.
Maintenance and Ongoing Costs
Some non-standard properties require specialist maintenance, which can be more expensive.
Examples include:
- Structural treatments
- Specialist materials or repairs
- Ongoing upkeep specific to the construction type
Lenders may also request a maintenance plan as part of the application.
Property Surveys Are Essential
Before applying for a mortgage, it’s important to arrange a detailed survey from a qualified professional.
This helps:
- Identify any structural risks
- Confirm the property’s condition
- Provide reassurance to lenders
A strong survey report can significantly improve your chances of approval.
Can You Improve a Non-Standard Property?
In some cases, properties can be modified to meet more standard lending criteria.
For example:
- Reinforcing structural elements
- Updating materials
- Carrying out approved improvements
However, these changes can be costly and should always be assessed by a qualified expert.
Resale Considerations
Non-standard properties can sometimes be harder to sell because:
- Fewer buyers qualify for mortgages
- Lender criteria may change over time
- Demand may be more limited
This doesn’t mean they’re a bad investment — but it’s important to consider long-term marketability.
Insurance Considerations
Insurance for non-standard properties can be:
- More expensive
- Harder to obtain through mainstream providers
However, specialist insurers often offer suitable cover — it’s just a matter of finding the right provider.
Why Choose SNS Mortgages & Financial Services?
Getting a mortgage for a non-standard property requires experience and the right lender connections.
At SNS Mortgages & Financial Services, we:
- Work with both mainstream and specialist lenders
- Understand complex construction types
- Help present your case effectively
- Guide you through surveys and requirements
- Manage the entire process from start to finish
We make complex cases straightforward.
Get Started with SNS Mortgages & Financial Services
If you’re considering buying a non-standard property, speak to SNS Mortgages & Financial Services today.
We’ll help you understand your options and secure the right mortgage with confidence.
⚠️ Important: Your property may be repossessed if you do not keep up with mortgage repayments.
FAQs
Are non-standard mortgages more expensive?
They can be slightly higher due to risk, but competitive options are available.
Do I need a bigger deposit?
Often yes — typically more than standard mortgages.
Can I insure a non-standard property?
Yes, through specialist insurers.
