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By Pete Mugleston | Mortgage Advisor

Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 4th December 2020*

Getting a single brick construction mortgage

We often receive questions about single brick or single skin construction mortgages, and whether this type of build will impact their ability to get a mortgage. Single brick constructions fit 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 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 of this article to see how we can help you.

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Can I get a mortgage on a single brick constructed home?

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.

New-builds are no longer constructed using this method as they do not meet modern day building regulations. What’s more, many lenders now have strict policies surrounding the acceptability of single brick walls as they have been proved to be “potentially unstable, thermally inefficient and prone to sound transmission, condensation and water penetration”, according to the Financial Times.

Accordingly, 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 advisors we work with are experts when it comes to finding the best mortgage for single brick construction properties. Talk to one today and get the right advice.

What types of single brick construction mortgages will specialist lenders consider?

The advisors we work with have access to niche non-standard construction lenders who will consider offering the following products…

  • Single brick construction mortgages
  • Single skin construction mortgages
  • Mortgages for properties with a single brick extension
  • Mortgages for properties with a single brick wall
  • Mortgages for properties with a single skin brick wall
  • Single skin breeze block construction mortgages

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

What are the issues associated with single brick construction?

As a general rule, any property that falls into the non-standard category is deemed higher risk. The severity of the risk will depend on the type of non-standard construction, as well as property-specific circumstances.

Providers want to be comfortable that your home can act as sufficient security if your home is repossessed and the property has to be resold.

Single brick for Buy to Let properties

Many lenders have even stricter rules when it comes to buy to let (BTL) properties. For example, some lenders impose rules that they will not authorise mortgages for BTLs 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 (covered next).

What other factors impact eligibility for a single brick construction mortgage?

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…

  • Your 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.

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.

Why you should speak to a whole of market mortgage broker if you’re buying a single brick construction property

We’ve helped over 120,000 people find the right mortgage, even those who may have been declined a mortgage or 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 a 5-star service with access to expert brokers who are:

  • Whole of market.
  • Have a working relationship with all non-standard construction lenders, not just a select few.
  • Already know the lenders to go to for single brick construction homes as they successfully arrange these deals already.
  • Able to offer bespoke advice on single brick construction properties
  • 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.

Updated: 4th December 2020
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of 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.