Award-Winning Bad Credit Specialist · FCA No. 301173
Non Standard Construction Mortgage With Bad Credit Explained
Non standard construction properties are already specialist for lenders. Add bad credit and the pool narrows further. But Darryl Dhoffer knows exactly which lenders can help.
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Non Standard Construction and Bad Credit
A non standard construction property is one built from materials or methods outside standard brick and mortar or stone construction. This includes timber frame steel frame prefabricated concrete Wimpey no fines thatched properties and many others. Most mainstream lenders will not lend on non standard construction at all regardless of credit history.
Specialist lenders do consider non standard construction but the property type AND adverse credit together creates a very specific niche that requires an expert broker.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser and The Intermediary. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
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Frequently Asked Questions
What counts as non standard construction? ›
Non standard construction includes timber framed properties steel framed properties prefabricated or pre-cast concrete properties including Wimpey no fines Airey and Cornish Unit types thatched properties properties with flat roofs above 30% of the total roof area listed buildings and certain system built properties from the 1960s-1980s. Darryl will confirm whether your property type is considered non standard.
Can I get a mortgage on a non standard property with bad credit? ›
Yes but the pool of available lenders is very small. You need a lender who accepts both the non standard construction type and your adverse credit profile simultaneously. Darryl Dhoffer knows the specific lenders who consider non standard construction with adverse credit and their exact criteria.
Do I need a specialist survey for non standard construction? ›
Yes. Most lenders require a full structural survey rather than a standard homebuyers report for non standard properties. The survey must confirm the property is structurally sound and confirm the construction type. Darryl will advise on survey requirements for your specific property type.
Will non standard construction affect my mortgage rate? ›
Yes. Non standard construction properties are considered higher risk by lenders which typically means higher rates. Combined with adverse credit the rate will be higher than for a standard property with clean credit. Darryl will identify the most competitive rate available for your specific property and credit combination.
Can I remortgage a non standard construction property with bad credit? ›
Yes. The same specialist lenders who offer purchase mortgages on non standard construction also offer remortgages. The challenge is that you may be limited in remortgage options if your existing lender declines to offer a new deal. Darryl will assess all available remortgage options for your property and credit profile.
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01234 237321
darryl@themortgagegeezer.co.uk
FCA No. 301173
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The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the FCA No. 301173. Your home may be repossessed if you do not keep up repayments on a mortgage.
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. Darryl Dhoffer is authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Access Financial Services Ltd, registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on your mortgage.