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Why choose Endsleigh for Non Standard Mortgages

  • It doesn't matter...

    if your property isn't standard brick and tile - We'll find you the right mortgage

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Non Standard or Traditional Construction

If you are purchasing a property that isn't standard brick and tile construction you may find that your chosen lender is not happy to offer you a mortgage. Lenders always want to be sure that if for any reason they are forced to repossess the property, they are able to sell it to repay the outstanding mortgage debt quickly. This can be more difficult with non standard construction or non traditional properties.

Endsleigh Financial can source mortgages from lenders who are happy to provide mortgages for steel frame construction, self build or simply non standard properties. Use the banner at the top of the page to get an immediate review of your mortgage requirements.

In order to decide whether or not to offer a mortgage to a client, lenders assess the following:

  • The borrower's ability to maintain mortgage repayments (income, expenditure, credit commitments, credit history etc)
  • Whether the property is acceptable security against which to secure a mortgage.

Non standard or traditional property types that many lenders do not like to lend against include;

  • Properties with Flying Freeholds - i.e. a part of your property extends into another property - e.g. your bedroom is above your neighbour's kitchen
  • High rise flats - especially if the flats have balcony access and there are more than 5 storeys in the block
  • Ex local authority flats - particularly when some flats in the block are still local authority owned
  • Flats above shops
  • Steel framed construction or timber framed properties
  • Non standard or non traditional build property

It is possible to find mortgage lenders who are prepared to offer mortgages on all of the above non standard mortgage scenarios. Complete our quote form now for an immediate mortgage review. Our advisers are all fully CEMAP qualified and have a wealth of industry experience with non standard mortgages.

Endsleigh were extremely helpful and efficient throughout my mortgage application, helping us to compare the various mortgage products in the market. I am very pleased with the product they secured for us.
AN, Abingdon

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Endsleigh Financial Independent Tailoring is a trading name of Endsleigh Independent Financial Services Limited which is authorised and regulated by the Financial Services Authority. This can be checked on the FSA Register by visiting its web site at www.fsa.gov.uk/register.
Endsleigh Independent Financial Services Limited. Company No: 4132605 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.