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Flat Roof Mortgages

Is it harder to get a mortgage for a property with a flat roof?

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: May 30, 2022

Can I get a mortgage on a flat roof property?

We have lots of customers approaching us with questions regarding flat roof mortgages, and how this type of build will impact their application.

Mortgages on flat roof property can be more difficult to secure as they fall outside of the “standard” definition. As such, they are classified as higher risk by mortgage providers and insurance companies as they can be more prone to leaks than a standard “pitched” roof.

The good news is that the brokers we work with are experts when it comes to non standard properties, even if you’ve been declined a mortgage or have bad credit.

Can I get a flat roof house mortgage?

Yes, but you’ll need the right advice. There are a few lenders who will consider a mortgage for a property with a flat roof. Fortunately, the expert advisors we work with are whole of market and know who these lenders are. Get in touch today and they’ll help you find the best deal on a flat roof mortgage.

What are the difficulties in getting a mortgage on a property with a flat roof?

Your choice of approachable lenders will be fewer, for starters. Flat roof properties fall into the ‘non-standard construction’ category and some mortgage providers are reluctant to lend on these while others might charge higher rates.

The primary focus for lenders is that you home can act as a reliable form of security, and non-standard properties can be more difficult to resell after a repossession.

Your application will also be affected by your individual circumstances, as these will further impact eligibility and what lenders and rates you’re offered.

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Why else are flat roofs considered a higher risk for mortgages?

These days, lots of homes in the UK have flat roofs, at least partially. What many people don’t know is that this can have implications on insurance, and therefore the likelihood of being approved for a mortgage.

The main problems with flat roofs surround the maintenance and upkeep of such constructions, should the property be repossessed in the future and require selling on.

The most common problems occurring with flat roofed properties are:

  • Typically aren’t as long lasting as pitched roofs.
  • Can be more expensive to repair.
  • Gathered water can lead to leaks, and growth of moss and algae.
  • Debris can gather easily and block drainage or hold moisture.
  • They are more likely to lose heat and have poor insulation.
  • Absorb heat more easily in hot weather.
  • Provide easier access to criminals.

Before looking to get a mortgage on a flat roofed property, ensure that it has been subject to regular inspections and that there are no current issues. Bear in mind that you will have to continue with this maintenance if you do decide to make the purchase, and lenders may factor this into your affordability assessment.

A flat roof could work in your favour as a buyer, because potential roof maintenance and repair work may not have been factored into the purchase price. If this is the case you could use this as leverage to barter on the price (which could be put towards future maintenance costs!)

Do lenders offer flat roof extension mortgages?

The increase of mortgages on flat roof properties can be attributed to the rise in popularity of home extensions.

This is significant because lenders often have a limit on how much of the total area of the property can be flat in their mortgage terms, and could therefore be beneficial to those who only have a partially flat-roofed home.

However, don’t lose hope if you are looking to get a mortgage on a house with 100% flat roofing; we work with a wide range of lenders specialising in this niche. Get in touch to speak to one of the expert advisors we work with.

Which lenders offer flat roof mortgages?

There are a few lenders who will consider you for a mortgage on a flat-roofed property. However, many stipulate that all loans are subject to property valuation, and bigger deposits may be required on certain properties.

These lenders will also insist that maintenance or replacement programmes must be kept up to date and that continued, effective insurance is in place.

What other factors impact eligibility for a mortgage on a flat roof property?

If you’re buying a property with a flat roof, it’s particularly important that you meet the lender’s other eligibility requirements as falling into two niches will mean a slimmer choice of approachable mortgage providers and possibly higher rates.

Non-standard construction lenders will take the following factors into account when calculating eligibility…

  • Credit history: Customers getting a mortgage with bad credit may need help from a more specialist lender who is familiar with their circumstances – and this is where we can help. Get in touch and we’ll refer you to one of the specialists we work with.
  • Loan to Value (LTV): Having a larger deposit together may be the make or break if you’re after a mortgage on a flat roofed property. This is because, when it comes to higher risk properties you tend to be more limited with lenders. So, the lower your LTV, the better chance you have at being accepted for a loan.
  • Income & affordability: Most providers cap what they are willing to loan you to 4.5x your annual income, although some offer up to 6x. You may not find that lenders to be as generous with properties that require ongoing maintenance, as they could factor these costs in when calculating your affordability.
  • Income type: Anything besides a PAYE salary is called by some lenders as ‘non-standard’ income type, but there are specialist providers out there who are more than happy to offer self-employed mortgages, and those who supplement their earnings with bonuses, commission and benefits – so don’t lose hope!
  • Age: Providers often impose age limits on mortgages – many won’t lend to anyone over 75, whereas some stretch to 85. However, a handful of providers don’t set an upper age limit, as long as you have proof you can afford the repayments. Make an enquiry to speak with an expert for more information or see our article on mortgages for pensioners.
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We’ve helped over 120,000 people find the right mortgage, even those who may have been declined a mortgage or have had bad credit history.

In fact, our customers consistently rate us 5 stars on Feefo, mainly due to our high levels of service, but also because we offer offers a 5-star service with access to expert brokers who:

  • Are whole of market.
  • Have a working relationship with all flat roof mortgage lenders, not just a select few.
  • Already know the lenders to go to for flat roof mortgages as they successfully arrange these already.
  • Can offer bespoke advice about flat roof properties.
  • Are OMA Accredited advisors.
  • Have completed a 12 module LIBF accredited training course.

Talk to a non-standard property expert today

If you like what you’re reading or require more information, call Online Mortgage Advisor on 0808 189 2301 or make an enquiry here.

Then sit back and let us do all the hard work in finding the broker with the right expertise for your circumstances. We don’t charge a fee, and there’s no obligation or marks on your credit rating.

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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