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Construction Mortgages on Single Brick Properties

Construction Mortgages on Single Brick Properties

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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 info@revolutionbrokers.co.uk.

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.

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 Revolution Brokers on 0330 304 3040, or email us at info@revolutionbrokers.co.uk for guidance from an independent, whole-of-market broker.

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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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