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Getting a Mortgage on a Single Brick Construction Property

Find out how to get a mortgage on a single brick construction property.

No impact on credit score

Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: August 25, 2021

Single brick construction fits under the “non-standard” property niche, which can restrict your choice of lenders when it comes to getting a mortgage. But the good news is that if you’re considering investing in this type of property, the mortgage brokers we work with are experts in this area and can help you find the best deal, even if you’ve been declined a mortgage for having bad credit.

Take a read through this article to see how we can help you.

Can you get a mortgage on a single-skin property?

Yes, it’s possible but might not be easy. Mortgage lenders are becoming increasingly cautious about authorising “single brick” or “single skin” extension mortgages. “Single brick” refers to a type of construction method that was very popular in the Victorian era, and refers to the build of an exterior wall using a single course of brick.

This construction type is considered ‘non-standard’ and this means a specialist lender is often required to get a mortgage on a home that features it. Luckily, there are brokers in our network who specialise in arranging mortgage on all kinds of non-standard construction properties, and they know exactly which mortgage lenders have a high enough appetite for risk to consider these applications and offer the most favourable rates available.

Why is it more difficult to get a mortgage on a single skin property?

Because there are issues associated with this construction type and therefore mortgage lenders are concerned about the re-sale value of properties built using it. Many of them feel they might struggle to recoup their finance in the event of a repossession.

New-builds are no longer constructed using this method as they do not meet modern-day building regulations. According to the Financial Times, they have been proved to be “potentially unstable, thermally inefficient and prone to sound transmission, condensation and water penetration”.

Moreover, it’s extremely rare for mortgage providers to lend on two-storey single brick constructions anymore, and it’s becoming more difficult for homeowners to get a mortgage on a property with even a small area of single skin wall.

However, many lenders do still rely on the surveyor’s final decision on the security and future value of such properties. So, if your heart’s set on a home which is partially comprised of single brick, don’t give up hope. Some mortgage providers even base their decision depending on common single brick constructions are in a particular location, so as to assess re-saleability prospects.

Fortunately, the mortgage brokers we work with are experts when it comes to finding the best mortgage for single brick construction properties. Some of the advisors in our network specialise in this construction type, can offer you bespoke advice on your mortgage options and pair you up with lenders who have a high enough appetite for risk to consider your application.

Types of single brick construction mortgage lenders consider

You will likely need a specialist lender if your property features this type of construction. The good news, however, is that there are brokers in our network who have deep working relationships with niche mortgage providers who consider lending on homes with the following…

  • Single brick construction
  • Single skin construction
  • Single brick extensions
  • Single brick walls
  • Single skin brick walls
  • Single skin breeze block construction

If the property you’re buying has any of these elements, make an enquiry and the non-standard construction mortgage brokers we work with will help you find the right lender.

Getting a mortgage for a single brick buy-to-let property

Many mortgage lenders have even stricter rules when it comes to buy-to-let (BTL) properties. For example, some will not authorise mortgages for investment properties that are made up of more than, say, 25% of external walls constructed with single brick.

However, it’s not that black and white. It also depends on property-specific factors, as well as a buyer’s individual circumstances. These factors apply to all non-standard construction mortgages, and you can read about them in the next section…

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Other factors that impact eligibility

If you’re buying a non-standard property, it’s important to meet the lender’s eligibility criteria closely, or you may end up with unfavourable rates or no deal at all. Lenders will take the following into consideration when assessing your application…

  • Credit history: Clean credit usually helps, but there are a range of bad credit mortgages out there.
  • Income type: Most mainstream lenders prefer borrowers in full-time employment, but there are specialist providers who offer mortgages for self-employed professionals and those who want to apply for a mortgage with bonuses and commission included.
  • Age: Mortgages are more difficult to come by in later life as some borrowers have upper age limits in place. However, the brokers we work with have access to specialist lenders who cater specifically for pensioners.
  • Your outgoings: Having significant outgoings such as outstanding loans and dependent children could affect the amount you’re able to borrow.
  • Deposit amount: The more you’re able to put down, the better. Some lenders might insist that you put down more than the bare minimum to offset the risk if you’re buying a single skin property.

If you don’t meet the above criteria and are buying a non-standard construction property, it’s doubly important to seek specialist advice. The number of approachable lenders will be far fewer, but with the whole-of-market brokers we work with on your side, it may still be possible to find a deal with favourable rates.

Speak to an expert

If you’re buying a property with single skin construction, it’s vitally important that you get the right advice before you press ahead. Non-standard construction homes of any kind come with a higher risk of mortgage rejection or an unfavourable interest rate, but the right mortgage broker is just the thing you need to offset this risk.

We offer a free broker-matching service that will pair you up with an advisor who specialises in non-standard property mortgages. They will have the right knowledge and experience to match you with the ideal lender, first time, potentially saving you time, money and disappointment in the long run.

Call 0808 189 2301 or make an enquiry online so we can arrange a free, no-obligation chat between you and a mortgage broker who specialises in non-standard property today.

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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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