Property Types and Mortgages
Buying a non-standard property? We have advisors who specialise in mortgages for different property types and can guide you to lenders who are comfortable with your home.
Property Types Hub
Non-standard properties can affect your mortgage options because of the increased complexity of these cases. However, with the right guidance, many lenders will consider them.
Examples of properties that can be trickier to mortgage include flats above shops, ex-local authority homes, listed buildings, steel- or timber-framed houses, and properties with unusual construction. In these cases, some lenders are cautious, while others are happy to lend if the property meets their requirements.
At Online Mortgage Advisor, we have advisors who specialise in non-standard properties. They know which lenders are comfortable with different construction types, how to present the property details, and what deposit or survey may be required. This gives you clarity about your options and confidence moving forward.
“Unusual properties can put some lenders off, but not all. We know which lenders are comfortable with different property types and help you present your case with confidence.”
Check your affordability
Use our calculators to see how much you could borrow and what your monthly repayments could be.
Read our guides
Browse our property type guides to understand construction risks, deposit requirements, and lender preferences.
Compare mortgage deals
Use our comparison tool to view lenders who are currently offering mortgages for your type of property.
Speak to an expert
Get matched with an advisor who understands mortgages for your property type and knows which lenders are most likely to accept your application.
We have advisors who specialise in mortgages for different property types and can help you secure the right deal. Make an enquiry today.
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Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
This isn’t an exhaustive list, but some common property types are detached houses, semi-detached houses, terraced houses, end-of-terrace houses, flats, studio flats, bungalows, cottages, and listed properties.
A non-standard construction typically refers to a property that is not made from bricks and mortar or stone or has a roof without slates or tiles.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening. We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
More on Different Construction Types
Expert mortgage guidance tailored for professionals across different industries.
Customer Success Stories
More on different property and construction types
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.