Finding a mortgage for a property built with non standard materials or using irregular construction methods can be challenging. At CRC Mortgages, our experienced mortgage advisors in Liverpool understand these complexities and are here to provide clear, straightforward, and tailored guidance to help you navigate the mortgage application process as smoothly as possible.
What is a Non Standard Construction Mortgage?
Non standard construction properties typically include homes made from non-traditional materials or built using unconventional methods. Examples of these properties could include timber-framed houses, prefabricated homes, concrete panels, steel frame constructions, or properties with unique design elements uncommon among traditional brick-built constructions.
As lenders consider these properties higher risk, securing a suitable mortgage can become tricky due to stricter lending criteria and fewer available products. That is where our specialist mortgage brokers step in, supporting you with expert insight and guidance tailored specifically to the Liverpool market and surrounding areas.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £449 to £699 and this will be discussed and agreed with you at the earliest opportunity.
If you would like to speak with an adviser,
please contact us below.
Helping You Secure a Non Standard Construction Mortgage in Liverpool
At CRC Mortgages, our advisors have extensive experience in assisting homebuyers and homeowners across Liverpool with their non standard construction mortgage needs. We build a clear picture of your circumstances, goals, and the property specifics before researching the most suitable mortgage options currently available to you.
When it comes to non standard construction mortgages, each lender has their own unique criteria and approach. Our local knowledge of Liverpool, combined with strong industry relationships, ensures our brokers understand the requirements set forth by different lenders. We help you identify the lenders most likely to accept your application, significantly improving your chances of securing suitable finance.
Remortgaging Non Standard Construction Properties Liverpool
If you already own a non standard construction property and you are considering remortgaging, CRC Mortgages can help simplify the process as much as possible. There are several reasons homeowners choose to remortgage their Liverpool property, including accessing equity, funding home improvements, or simply switching to a more competitive deal.
Our advisors will carefully assess your personal and financial situation and present you with suitable remortgage options aligned to your objectives. With our guidance, we aim to make remortgaging your non standard construction home as uncomplicated and efficient as possible.
Why Choose Our Mortgage Advisors Liverpool?
At CRC Mortgages, our approach is personalised and dedicated. We provide clarity and transparency throughout the entire mortgage or remortgage journey, guiding you step-by-step from application right through to completion. Our experienced advisors ensure you are informed and confident in your decisions.
We understand that securing mortgages for non standard construction properties differs significantly from traditional mortgages. Our advisors not only have ample experience handling complex mortgage applications but also take pride in their approachable service. We aim to reduce the confusion as much as possible, supporting you through every stage.
FAQs: Non Standard Construction Mortgages Liverpool
What is classified as non standard construction?
Non standard construction refers to buildings made using unconventional techniques or materials, rather than traditional brick and mortar. Common examples include timber frames, steel frames, prefabricated homes, concrete panel structures, and some listed buildings.
Will non standard construction affect my ability to get a mortgage?
Yes, the type of construction can affect your choice of lenders, as certain providers view non standard construction properties as higher risk. This may limit your available options, making expert guidance crucial for securing a suitable deal.
Can you help with mortgages for prefab homes in Liverpool?
Absolutely. Our advisors have experience with mortgages for prefabricated properties and can help you better understand which lenders may consider financing your prefab home.
Are interest rates higher for non standard construction mortgages?
Rates may sometimes be slightly higher due to the perceived risks involved in non standard construction properties. However, competitive rates may still be available depending on lender criteria, property condition, and your personal circumstances.
Is it possible to remortgage a non standard home to fund renovation work?
Yes, remortgaging may allow you to release equity from your non standard construction home that can be used for renovations. Our Liverpool advisors can help you explore suitable options based on your lending potential and specific requirements.
At CRC Mortgages, our non standard construction mortgage specialists in Liverpool stand ready to help you overcome potential lending barriers. Our advisors will provide clear, friendly guidance, aimed at securing sustainable mortgage deals that align with your property goals. For more advice, contact our knowledgeable Liverpool team today.