Not all homes are built the same and mortgage lenders know it. From single-skin brick walls to steel frames and concrete prefab homes, these so-called non-standard properties can raise a few eyebrows. But that doesn’t mean they’re out of reach. With the right approach (and a well-managed current account), you could still get the keys to something a little different. Here's how it works, what to watch for, and where to get help.
If a property's made from something other than bricks and mortar with a tiled roof – think timber frames, steel, concrete, or even thatched roofs – it’s classed as non-standard construction.
Common types include:
- Single-skin brick walls (aka solid walls)
- Timber or steel-framed buildings
- Post-war prefab concrete homes
- Flat roofs or thatched roofs
- Eco builds (e.g. straw bale, hempcrete)
Lenders worry about:
- Structural integrity
- Fire and weather risks
- Long-term resale value
- Insurance difficulties
Yes, but it’s not always straightforward.
What helps:
- A detailed survey
- A lender familiar with non-standard builds
- A larger deposit (10–25% may be required)
- Clean financials (this is where your current account comes in)
Single-Skin Brick Walls: What You Need to Know
These are often found in older properties. No cavity means less natural insulation and more risk of damp. But you can insulate – internally or externally – and still get a mortgage.
How Your Current Account Affects Your Mortgage Chances
Lenders will check your current account to:
- Confirm your income and spending habits
- Spot overdraft use or bounced payments
- Understand your ability to manage a mortgage
Top tip: Keep your current account tidy for at least 3 months before applying.
✅ Speak to a specialist mortgage broker
✅ Save a larger deposit
✅ Improve energy efficiency for access to green mortgages
✅ Ensure your current account reflects good money management
✅ Consider a Joint Borrower, Sole Proprieter (JBSP) mortgage if family support is an option
Buying a non-standard home doesn’t mean giving up on your dream of homeownership. It just means navigating the mortgage process a bit differently.
With expert help, a solid survey, and a squeaky-clean current account, your unique home is still well within reach.
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