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.

What is a Non-Standard Construction Property?

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)

Why Does Construction Type Matter to Mortgage Lenders?

Lenders worry about:

  • Structural integrity
  • Fire and weather risks
  • Long-term resale value
  • Insurance difficulties

Can You Get a Mortgage on a Non-Standard Construction Property?

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.

Boosting Your Mortgage Application: Pro Tip

Conclusion

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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