Back | How it Works

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

Get Started

Back | About

About

Back | Insurance

Business Protection Insurance

Life Insurance

Building Insurance

Home Insurance

Mortgage Repayment Protection

Family Income Benefit

Critical Illness Cover

Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

Bridging Loan

Residential & Commercial Bridging

Mortgage Repayment

Development Finance

Commercial Mortgage

Back | Your Mortgage Position

Your Mortgage Position

Bad Credit

Bridging

Buy to Let

Development Finance

Self Employed

Mortgage for professionals

Lifetime Mortgages

Expat mortgages

Interest Only

Mortgage Affordability

Mortgage Application

Income Types

Residential Mortgages

Commercial Mortgages

Property Types

Remortgages

First Time Buyers

Mortgage Declined

Offset Mortgage

Other

Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

Mortgage with Defaults on Your Credit

Buy to Let Mortgage With Bad Credit

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Mortgage with a CCJ

Mortgage with Credit Card Debts

Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

How to Qualify for a Mortgage with Zero Credit Score

Joint Mortgage Applicant Has Bad Credit

Are There Mortgage Options After a Debt Management Plan?

Are There Mortgage Options After a Debt Relief Order?

Back|Bridging

Bridging Finances

Auction Finance

Fast Bridging Finance

Low-Cost Bridging Loans

Bridging Loans Guide

Bridging Loans for Residential Homes

Bridging Loan at 100% Loan to Value?

Commercial Bridging Finance

Bridging Loan with Adverse Credit

Fast Bridging Finance

Financing a Property Purchase at Auction

Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

Bridging Finance for Land Developments

Long & Short Term Bridging Finance

Bridging Finance on Rental Investments

UK Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

Buy To Let Mortgages for Expats

Buy To Let Refurbishment Mortgages

Buy to Let Interest-Only Mortgages

Changing Your Mortgage to Buy to Let

Mortgages for Buy to Sell Investments

Company Mortgages for SPVs

Stamp Duty for Buy to Let

HMO Finance

LTD Company Property Finance

Holiday Let Mortgages

Holiday Let Mortgages 80 LTV

Repayment Mortgage for Buy to Let

Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

Portfolio Landlord Mortgages

Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

Development Exit Finance

Why Location Matters in Development Finance Applications

Development Finance for Residential Properties

Finance a Property Development with No Deposit

Development Finance Applications

Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

Lender Criteria for Development Finance

Back|Self Employed

Self Employed Mortgages

Company Director Mortgages

Mortgages for LLPs

BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

Mortgages For Newly Self Employed

Mortgage for Partnerships & Sole Traders

Mortgages for Self-Employed Accountants

Back|Mortgage for Professionals

Mortgages for UK Professionals

Foster Carer Mortgages

Mortgages For Armed Personnel

Mortgages for Doctors

Mortgages for Graduates

Mortgage for Teachers

Mortgages for Solicitors, Barristers & Lawyers

Mortgages For Social Workers

Back|Lifetime Mortgages

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Mortgages for UK Nationals

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest Only Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest-Only Lifetime Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

Mortgage on a Single Income

Mortgage with an Overdraft

Mortgages on 4 - 4.5 x Salary

Mortgage based on Salary

Mortgage on a Single Income

Requirements for a £350,000 Mortgage

Mortgages at 6 x Income

Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

Back|Mortgage Application

Mortgages for Individuals

Friends or Family Members

VISA Mortgages

Foreign National Mortgage

Multiple Applicant Mortgages

Single Parent Mortgage

Mortgage Application Process

Mortgage Agreement in Principle

Joint Applicant, Sole Proprietor Mortgages

Single Parent Mortgage

Joint Mortgage Applications

Rejected Mortgage Application

Back|Income Types

Mortgage with Non-Mainstream Income

Mortgage on a Temporary Work Contract

Mortgage on a Zero Hours Contract

Mortgages for Part-Time Workers

Mortgage Applications Based on Pension Income

Mortgage Options for Gambling Income

Mortgages for Freelancers & Self-employed

Mortgages for Contractors with Variable Income

Mortgages for Agency Staff Employed Through an Umbrella Company

Back|Residential Mortgages

Residential Finance

Moving Home

Consumer Buy to Let Mortgages

Specialist Mortgages

Second Charge Mortgage Brokers

Offset Mortgages

Shared Ownership Mortgages

Self-Build Mortgages

Regional First-Time Buyer Mortgages

Interest Only Mortgages

Tier 2 Visas Mortgages

Mortgages at 95% Loan to Value

Back|Commercial Mortgages

Commercial Property Finances

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

Portfolio Landlord Mortgages

Mortgages with Bad Credit

Mortgages for Land Investments

Mortgages for Pub Businesses

Large Commercial Mortgage

Bridging Loans for Commercial Mortgages

Mortgages for Large Investments

Commercial Mortgages for B&Bs

Mortgages for Dental Practices

Mortgages for Pharmacies

Remortgaging Commercial Property

Care Home Commercial Mortgages

Second Charge Mortgages

Business Through Mortgage Lending

Deposits on Commercial Mortgages

Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

Business Expansion Finance

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Ex-Local Authority Flat

Flying Freehold Mortgage

Thatched Roof Property

Flat Mortgages for High Rises

Studio Flat Mortgage

Mortgage on a Home with a Flat Roof

Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Steel Framed House Mortgages

Mortgages for Concrete Properties

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgage for below Market Value

Repossession Property Purchase

Planning Permission for British Properties

Mortgage on a Home Adjacent to Commercial Properties

Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgages

UK Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

How To Find the Lowest Fixed Rates on Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages Brokers

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Can I Get a Mortgage on a Maisonette?

Maisonettes may not be a standard property, but they're prevalent in thousands of towns and cities! This guide explains maisonette mortgages and why the purpose and structure of your building may have a bearing on the right mortgage products for you.

Let’s Get Started Ask a question

Discover What Our Customers

Have to Say!

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Can I Get a Mortgage on a Maisonette?

Maisonettes can seem more difficult to mortgage than a regular home - but a lot depends on the property's format and what sort of premises it is attached to.

There are also benefits and disadvantages of choosing a maisonette over a standalone house, or a traditional apartment, which we'll explore here.

This guide summarises the most commonly asked questions the Revolution Brokers team receives regarding a maisonette mortgage. For more information, or to start your mortgage search, give us a call on 0330 304 3040 or drop the team an email at [email protected].

Are Maisonettes Difficult to Mortgage?

Not particularly. There are plenty of lenders who offer buy to let mortgages, or residential borrowing, to help people buy a maisonette.

Our teams are independent, and whole-of-market so can recommend any product from any lender that we believe best fits your needs.

Already Interested, Let’s Get Started!

The following

topics are

covered below

Are Maisonette Mortgages any Different from a House Mortgage?

What is a Freehold Mortgage on a Maisonette?

Can I Get a Mortgage for a Leasehold Maisonette Ownership?

What are the Essential Factors to a Maisonette Mortgage on a Leasehold Basis?

Is a Maisonette a Good Property Investment?

How Will a Lender Assess a Maisonette Mortgage Application?

Professional Broker Support with a Mortgage on a Maisonette

Show less

Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

Are Maisonette Mortgages any Different from a House Mortgage?

This type of property mortgage will depend on whether you are buying a freehold or leasehold. Therefore it can be confusing since lending terms can be different from a typical house, or a leasehold apartment.

A maisonette is part of a larger property, usually with three or more floors. Most UK maisonettes have a private entrance, and therefore it is not the same as an apartment.

Therefore they are a middle ground between a more expensive house, and an apartment, with greater security than the latter.

What is a Freehold Mortgage on a Maisonette?

When you buy the freehold to a property, you own it entirely, including all the surrounding land. That means you are also responsible for any attached properties, and the related maintenance costs.

Mortgage lenders considering a maisonette mortgage will include these cost responsibilities in their affordability assessment.

You can also buy a share of the freehold, which is most common in larger cities. In effect, each owner buys their property within the larger premises on a leasehold basis, plus a freehold percentage.

If this is the case, get in touch, as many lenders will not consider a shared freehold mortgage given the element of risk in that other holders are jointly responsible for the upkeep of the property.

Can I Get a Mortgage for a Leasehold Maisonette Ownership?

Yes, and a leasehold is more typical for a maisonette. This type of mortgage covers the vast majority of flats and means that you own the property for a specific number of years.

The lease is held by the freeholder and sets out what you own, and for how many years. Ownership returns to the freeholder at the end of the lease term.

Lenders will need to assess the length of the lease - for example, if this is 90 years or more, finding a mortgage should be relatively easy. However, a shorter lease may be more of a challenge.

What are the Essential Factors to a Maisonette Mortgage on a Leasehold Basis?

If you are considering buying a maisonette leasehold, the below are vital questions to consider:

Service charges - payable to the freeholder for the maintenance of the property.
Ground rent - the amount you pay to the freeholder for the right to occupy the land the maisonette is built onto. This might be a lump sum, or might be regular instalments.

Is a Maisonette a Good Property Investment?

It can be - any property purchase depends on the value for money.

Advantages to buying a maisonette include:

It is more affordable than buying a standalone property. Most maisonettes have communal outdoor spaces.
The upkeep costs are shared between the other leaseholders.
You have the additional security of a private entrance, but also neighbours closeby.

There can also be negatives, such as:

Smaller property sizes.
Privacy element of having neighbours near to you.
Paying maintenance fees for property repairs.
Needing to abide by any house rules or codes dictated by the freeholder.

How Will a Lender Assess a Maisonette Mortgage Application?

Lenders will look at all the usual criteria to decide whether they can offer to lend:

Affordability looks at what you earn, and what the costs are of the property purchase. For a maisonette that includes services charges and ground rent. The assessment will also calculate your debt to income ratio, and factor in existing loans or debts you have.
Loan to Value ratio means the amount you need to borrow in relation to the property's cost. If you have a low deposit, of say 5% and need a 95% LTV, you will have a smaller number of lenders to choose between. Most lenders will require at least a 15% deposit for a maisonette mortgage.
Employment - if you have stable, PAYE income, affordability is easier to prove. If you are self-employed or a contractor, you will usually need at least three years of accounts or tax returns to demonstrate your average income.
Lenders will run a credit search to see if you have any bad credit issues. If you do, it doesn't necessarily mean you can't get a mortgage, but more severe problems may require an application to a specialist bad credit lender.

Professional Broker Support with a Mortgage on a Maisonette

Before applying for a maisonette mortgage, there are multiple factors to consider, not least which lenders will accept your application, what the most competitive products are, and the terms you wish to secure.

Business loan broker is a whole-of-market expert team, with experience in all kinds of mortgage negotiations.

Give us a ring on 0330 304 3040 to start your maisonette mortgage application, or email on [email protected] to arrange a good time to talk.

Almas Uddin

Founder and Mortgage Advisor

Explore Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

Revolution Mortgage Brokers:100% 100%

Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

About our whole market brokers

Refer, Relax

andget £50

If you refer a friend for a mortgage or anytype of finance you’ll both receive £25 each when their new application successfully completes.

Know more!

We are proud
members of the:

FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

Ask the Expert

Mortgage Brokers

Revolution Mortgage Brokers understands that mortgages can be complex and confusing! Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.

Get Started Call 0330 304 3040 Mon - Fri: 9am - 6pm

Find out more about us

Can I Get a Mortgage on a Maisonette?

Discover What Our Customers

Can I Get a Mortgage on a Maisonette?

Are Maisonettes Difficult to Mortgage?

Whole of market brokers

Mortgage that suits you

On time customer support

Are Maisonette Mortgages any Different from a House Mortgage?

What is a Freehold Mortgage on a Maisonette?

Can I Get a Mortgage for a Leasehold Maisonette Ownership?

What are the Essential Factors to a Maisonette Mortgage on a Leasehold Basis?

Is a Maisonette a Good Property Investment?

How Will a Lender Assess a Maisonette Mortgage Application?

Professional Broker Support with a Mortgage on a Maisonette

Further Reading

Bungalow Mortgages & UK Rates

Can I Get a Mortgage on a Home with Identified Asbestos?

Can I Get a Mortgage on a Maisonette?

Can I Purchase a Property with a Deed of Covenant?

Construction Mortgages on Non-Standard Developments

Construction Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Finding a Mortgage for an Ex-Local Authority Flat

Finding a Mortgage on a Property with a Flying Freehold

Finding a Mortgage on a Thatched Roof Property

Flat Mortgages for Homes in High Rises

Getting a Competitive Studio Flat Mortgage

Getting a Mortgage on a Home Adjacent to Commercial Properties

Getting a Mortgage on a Home with a Flat Roof

Home Loans on Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Mortgage Rates on Luxury UK Homes

Mortgages for Concrete Properties in the UK

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgaging a Property Purchased at Under Market Value

Mortgaging Against a Repossession Property Purchase

Planning Permission for British Properties - the Revolution Guide

Steel Framed House Mortgages in the UK

The Best Mortgage Products for Apartments

Timber Framed House Mortgages

Average UK Mortgage Rates on New Constructions

Explore Our Presence

Explore Our Presence

Refer, Relax

FCA disclaimer

Ask the Expert Mortgage Brokers

Contact

Social

Ask the Expert

Mortgage Brokers