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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!

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Back | Insurance

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Home Insurance

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How Much Can I Borrow?

Buy To Let

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Development Finance

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Back | Your Mortgage Position

Your Mortgage Position

Bad Credit

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Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

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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

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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

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Fast Bridging Finance

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Bridging Loans Guide

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Bridging Loan at 100% Loan to Value?

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Fast Bridging Finance

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Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

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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

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Changing Your Mortgage to Buy to Let

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Stamp Duty for Buy to Let

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Holiday Let Mortgages 80 LTV

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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

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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

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Development Finance for Residential Properties

Finance a Property Development with No Deposit

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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

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BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

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Back|Mortgage for Professionals

Mortgages for UK Professionals

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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

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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

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Foreign National Mortgage

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Single Parent Mortgage

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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

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Mortgages for Agency Staff Employed Through an Umbrella Company

Back|Residential Mortgages

Residential Finance

Moving Home

Consumer Buy to Let Mortgages

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Tier 2 Visas Mortgages

Mortgages at 95% Loan to Value

Back|Commercial Mortgages

Commercial Property Finances

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Large Commercial Mortgage

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Mortgages for Dental Practices

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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

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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

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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?

Construction Mortgages on Single Brick Properties

Are you developing a non-standard single brick property and need to work out the best way to get a construction mortgage? The non-standard mortgage specialists at Revolution have put this guide together to explain the optimal opportunities available.

Let’s Get Started Ask a question

Discover What Our Customers

Have to Say!

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Construction Mortgages on Single Brick Properties

Single skin or single brick properties are built from a single bricklayer on the outer wall - most commonly found in Victorian homes.

Revolution Brokers often receive inquiries about this type of mortgage, since a single brick property is considered non-standard and will fall outside of many high street mortgage lenders' policies.

There are, however, plenty of alternative options, which we will explore in this guide. For more assistance with securing a single brick property mortgage, give us a call on 0330 304 3040, or email the team at [email protected].

Is it Hard to Mortgage a Single Brick Property?

It can be a little more complicated, but by no means impossible.

Older homes can be single brick constructions, whereas developers will always build a new-build to modern construction standards. The problems for a lender include:

The potential instability of a single brick outer wall.
Lack of energy-efficiency.
Issues with soundproofing, condensation and damp.

Mortgages for two-storey properties built entirely from single brick are rare indeed, but we also hear from clients who have been rejected due to any one area of a wall being constructed in this way.

Already Interested, Let’s Get Started!

The following

topics are

covered below

Does it Matter what Type of Single Brick Construction I am Buying for Mortgage Application Purposes?

What are the Eligibility Rules About Single Brick Property Mortgages?

Independent Advice on Single Brick Home Mortgages

Show less

Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

Does it Matter what Type of Single Brick Construction I am Buying for Mortgage Application Purposes?

Yes; there are lots of different types of single brick properties:

Single brick or single-skin construction mortgages.
Mortgages for extensions made from single bricklayers.
Properties with one wall that is single skin brick.
Breezeblock single skin construction mortgages.

If you are unsure which category your property falls into, do get in touch and we'll help you identify the right lender to apply to.

What are the Eligibility Rules About Single Brick Property Mortgages?

The issue with any non-standard property is that it is perceived as a higher risk by the lender, impacting the potential resale value.

In these cases, some lenders will set a limit, so for example, they might refuse to mortgage any home over one-quarter single brick walls. The other criteria depend on your circumstances - so if any of these are also higher risk, the number of lenders you can apply to is reduced:

Credit rating - the better your credit record, the lower the risk.
Income - lenders prefer PAYE employment since it is lower risk, but you can find self-employed mortgages and lending for variable income applicants.
Age - later life mortgages can be trickier to come by, although you can apply to specialist lenders who don't put an age cap on their lending.
Outgoings - pre-existing debts and hefty outgoings are also calculated as part of the affordability assessment.

Independent Advice on Single Brick Home Mortgages

If you're looking for a mortgage on any non-standard property, including a single brick home, a specialist broker is essential to help you assess your application and choose the right lender.

Contact business loan broker on 0330 304 3040, or email us at [email protected] for guidance from an independent, whole-of-market broker.

Almas Uddin

Founder and Mortgage Advisor

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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.

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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.

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Find out more about us

Construction Mortgages on Single Brick Properties

Discover What Our Customers

Construction Mortgages on Single Brick Properties

Is it Hard to Mortgage a Single Brick Property?

Does it Matter what Type of Single Brick Construction I am Buying for Mortgage Application Purposes?

What are the Eligibility Rules About Single Brick Property Mortgages?

Independent Advice on Single Brick Home Mortgages

Whole of market brokers

Mortgage that suits you

On time customer support

Does it Matter what Type of Single Brick Construction I am Buying for Mortgage Application Purposes?

What are the Eligibility Rules About Single Brick Property Mortgages?

Independent Advice on Single Brick Home Mortgages

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

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Explore Our Presence

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