Can I get a mortgage on a prefab house?

Yes, particularly if the property has been structurally repaired and has a PRC certificate. We work with lenders who specialise in prefab and concrete construction mortgages.

Are non-standard construction mortgages more expensive?

Not always. Rates may be slightly higher than standard properties, but with the right lender match, the difference can be minimal. We compare 90+ lenders to find the best deal.

Will I need a specialist survey?

Most lenders will require a full structural survey for non-standard properties. This assesses the property's condition and any repairs that may be needed.

Can I remortgage a non-standard construction property?

Yes. Whether you're on a standard variable rate or your fixed deal is ending, we can find competitive remortgage options for non-standard builds.

Non-Standard Construction Mortgages

Getting a mortgage on a non-standard construction property can be challenging — but not impossible. We compare 90+ lenders to find one that accepts your property type.

What Counts as Non-Standard Construction?

Non-standard construction refers to any property not built with conventional brick and mortar. This includes prefabricated concrete (e.g. Wimpey No-Fines, Airey, Reema), steel-framed buildings, timber-framed homes, thatched roofs, and properties with flat roofs or unusual cladding. Many high-street lenders won't consider these properties, but specialist lenders will. If the property was an ex-council home, construction type is even more critical. You'll also need specialist buildings insurance — we can help with that too.

Access to specialist lenders who accept non-standard builds
Expert knowledge of Wimpey No-Fines, Airey, Reema & more
100% fee-free advice — we're paid by the lender
Properties with PRC certificates and structural repairs considered
Both repayment and interest-only options available

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

Types of Non-Standard Construction

Common non-standard types include precast reinforced concrete (PRC) such as Airey, Cornish, Unity, and Reema homes built post-war. Steel-framed properties, timber-framed buildings, properties with single-skin walls, flat-roofed homes, and those with thatched roofs also fall into this category. Each type has different lending criteria.

Can You Get a Mortgage on a Concrete Property?

Yes, but it depends on whether the property has been repaired or has a PRC certificate. Many post-war concrete houses have undergone structural repair schemes, making them mortgageable with the right lender. Unremediated concrete properties are harder to finance but not impossible with specialist lenders.

Steel & Timber Frame Mortgages

Modern steel-framed and timber-framed properties (particularly those built by reputable developers) are generally easier to mortgage than older non-standard builds. The key factors lenders assess include the property's structural warranty, the builder's reputation, and whether the construction meets current building regulations.

How We Help

We have in-depth knowledge of which lenders accept which construction types. Rather than applying to a high-street bank and being declined, we'll match you with the right specialist lender first time. Our service is completely free — the lender pays our fee.