Is it harder to get a mortgage on a maisonette?

Not necessarily. Many lenders treat maisonettes the same as flats. The main factors are lease length, whether it's above commercial premises, and the property's construction type. We compare 90+ lenders to find the best fit.

What lease length do I need for a maisonette mortgage?

Most lenders require at least 70-85 years remaining on the lease at the time of application. Some are more flexible. If your lease is short, we can advise on the best approach.

Can I get a buy-to-let mortgage on a maisonette?

Yes, many buy-to-let lenders accept maisonettes. Rental demand for maisonettes is often strong due to their house-like feel with a flat-like price point.

Do maisonettes hold their value?

Maisonettes can be excellent value, often offering more space than a flat at a lower price than a house. Their value tends to hold well, particularly purpose-built maisonettes in good locations.

Maisonette Mortgages

Maisonettes can be trickier to mortgage than standard flats or houses — but with the right lender, it's straightforward. We'll find the best deal from 90+ lenders.

What Is a Maisonette Mortgage?

A maisonette is a self-contained flat spread across two or more floors, usually with its own private entrance at street level. While many lenders treat maisonettes similarly to flats, some have specific restrictions — particularly around lease length, share of freehold arrangements, and whether the property is above commercial premises. We know which lenders are maisonette-friendly and can match you accordingly.

Access to lenders experienced with maisonette properties
Advice on leasehold vs share of freehold mortgage implications
Maisonettes above commercial premises considered
100% fee-free — the lender pays our fee
Both purpose-built and converted maisonettes accepted

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

Leasehold Maisonette Mortgages

Most maisonettes are leasehold, which means lenders will check the remaining lease length. Most require at least 70-80 years remaining, though some insist on 85+. If your lease is shorter, we can find lenders with more flexible criteria or advise on lease extension before applying.

Maisonette Above a Shop

If your maisonette sits above commercial premises, some lenders will decline automatically. However, several specialist lenders actively consider these properties — particularly if the commercial use is low-risk (e.g. offices, retail). We'll match you with the right lender.

Converted vs Purpose-Built

Purpose-built maisonettes are generally easier to mortgage than converted ones. Conversions from larger houses may raise questions about building regulations compliance and fire safety. We work with lenders who understand both types and can assess your property fairly.

Share of Freehold Maisonettes

Some maisonettes come with a share of the freehold, which can actually make mortgaging easier as there's no lease expiry concern. However, lenders will want to see a properly constituted management company and adequate buildings insurance.