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

Single Brick Property Mortgage Options

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.

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.

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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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