Mortgage Insurance Calculators About How it Works
   Back | How it Works
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!
   Back | About
About
Blog
Guides
Case Studies
Documents
Contact Us
FAQs
Areas
Credit Report
   Back | Insurance
Insurance
Business Protection Insurance
Life Insurance
Building Insurance
Home Insurance
Mortgage Repayment Protection
Family Income Benefit
Critical Illness Cover
Income Protection
Life Assurance
   Back | Calculators
Calculators
Stamp Duty
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
Help to Buy Mortgage
Over 50’s Mortgages
Contractor Mortgages
Guarantor 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
Remortgages
Transferring Your Mortgage Products
Debt Consolidation
Comparing Remortgage Quotations
Day One Remortgaging Explained
Help To Buy Remortgaging Advice
Fees, Taxes and Costs of Remortgaging
Non-standard Income Streams
Finding a Probate Mortgage
Remortgaging Your Home in Retirement
Finance Home Renovations
Mortgages During Employment Probationary Periods
Deals with a 5% Deposit
Secured Loans vs Remortgaging
Porting Your Mortgage
Refinancing Debt Through Remortgaging
Second Property Purchases
How to Find a Cheap Remortgage Rate?
Applying for a Remortgage on an Unencumbered Property
How to Release Equity Through Remortgaging?
   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?

Getting a Mortgage on a Home with a Flat Roof

Flat roofs are common yet often considered a mortgage risk due to the potential for flooding and water damage. Read on to explore how to find the best possible mortgage for a flat-roofed property and ways to showcase the value of your home to your selected lender.

Discover What Our Customers

Have to Say!
Our Customers
Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2023-05-09
twitter  linkedin  

Getting a Mortgage on a Home with a Flat Roof

The majority of UK homes have a pitched roof. However, some houses have a flat roof or this type of construction on some of the property.

Revolution Brokers helps many clients who have been rejected for mortgage lending on the basis that the property is 'non-standard', and so have compiled this guide to explain what factors will make a difference in your likelihood of getting a mortgage on a property with a flat roof.

If you are in this position or would like to see what rates we could secure for your flat roof mortgage, give us a call on 0330 304 3040 or email the team at [email protected].

Why is it More Difficult to Mortgage a Flat Roof Property?

Flat roofs are considered non-standard construction, so there are fewer lenders who will offer a mortgage against this type of property.

The key is to find a lender whose eligibility criteria you meet as closely as possible and to work with an independent broker who can negotiate the terms on your behalf.

Lenders consider a flat roof a higher risk since the maintenance costs might be higher, and it could impact the resale value of the property:

  • Flat roofs don't generally last as long as pitched roofs and can cost more to repair.
  • There is a more significant potential of damage from leaks, and moss.
  • Drainage issues can occur when water accumulates on a flat roof.
  • Insulation is lessened, and heat is more easily absorbed in the summer.
  • A flat roof is a risk factor when it comes to exposure to break-ins.

There are a few things you can do to improve your chances of mortgaging a flat roof property:

  • Ensure the roof has been maintained and inspected regularly.
  • Negotiate the purchase price down in light of expected upkeep costs.
  • Ask for reports of work completed.
The following
topics are
covered below
Topics

Can I Get a Mortgage on Building an Extension with a Flat Roof?
Which is the Best UK Lender for a Flat Roof Mortgage?
What Factors Will a Lender Consider on a Flat Roof Mortgage Application?
Professional Support with Mortgaging a Flat Roof Property
Show more
Show less
Why Revolution Brokers?

Whole of market brokers Whole of market brokers

Mortgage that suits you Mortgage that suits you

On time customer support On time customer support

Can I Get a Mortgage on Building an Extension with a Flat Roof?

Many extensions are built with a flat roof, and this is easier to mortgage since the main property will usually have a traditional pitched roof.

You may still need to ask for a survey to verify that the flat roof is in good condition and has been adequately maintained.

Which is the Best UK Lender for a Flat Roof Mortgage?

Revolution Brokers can advise on the best lenders to apply to, depending on your circumstances, the type of property you wish to buy, and how much you would like to borrow.

In some cases, a niche lender will offer the most competitive rates. In others, we can negotiate terms such as the deposit required to mitigate the risk so that your chosen lender can accept your application.

What Factors Will a Lender Consider on a Flat Roof Mortgage Application?

Lenders will look at several factors before offering to lend on a non-standard property:

  • Your credit file. If you have bad credit and wish to mortgage a non-standard home, a specialist lender is probably the most viable option.
  • Loan to Value ratio. Given that lenders perceive non-traditional properties as higher risk, if you can offer a larger deposit to reduce the LTV, you might have more borrowing options to choose between.
  • Affordability. Every lender needs to calculate your affordability to ensure you can keep up with the mortgage repayments. This is usually based on a cap of around 4.5 times your annual income, although you can sometimes borrow more depending on your eligibility.
  • Employment - if you are not in PAYE employment and are, say, a freelancer or a contractor, again a high street bank might not be able to lend with multiple higher risk factors.
  • Age. Some mainstream lenders cap mortgages at age 75 or 85, although there are always specialist lenders out there with far more flexible terms.

Professional Support with Mortgaging a Flat Roof Property

Non-standard properties are more common than you might imagine, and the business finance broker team has years of experience in negotiating competitive mortgages with niche lenders.

If you are considering a flat roof mortgage, have been turned down elsewhere, or need specialist lending, get in touch at 0330 304 3040, or email us at [email protected].

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

twitter  linkedin  

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 Explore Our Presence Our Presence

Explore Explore Our Presence Our Presence

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

cityam
dailyexpress
dailymail
standard
FT Advisor
LBC
The Guardian
Independent
Metro
Mortgage Introducer
Sky News
The Sunday Times
Yahoo
This is Money
Mirror
LBC
The Sunday Times
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.

Refer, Relax

andget £50get £50
We are proud
members of the:
NACFB
Refer, Relax

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 Brokers
What can we help you with today?
Do you have a particular timescale in mind?
Next
Which situation from the below list best matches your requirements? *
Could you tell us the market value of the property?*
Please let us know a rough idea of your yearly income (before tax) for all applicants? *
Back
Next
Primary applicant name *
Contact email address *
Best contact number *
Back
Next
Get Started Call 0330 304 3040 Mon - Fri: 9am - 6pm
Find out more about us