Non-Standard Property Mortgages
Find the perfect non-standard property mortgage with Fennel Financial. Our expert brokers are here to help you navigate unique financing options tailored to your specific property needs.
Understanding Non-Standard Property Mortgages
‘Non-standard construction’ refers to properties that don’t fit the typical brick-and-mortar build, covering everything from listed buildings and prefabricated steel homes to those with concrete walls, glass panels, thatched roofs, or eco-friendly materials.
Getting a mortgage for a property like this can be more complex, and you may need a specialist lender to find the right solution. If you’re looking to buy a home that stands out from the rest, Fennel Financial can guide you through the process.
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Our Non-Standard Mortgage Services
At Fennel Financial, we offer a range of non-standard mortgage services to accommodate various property types and financial situations.
Self-Build Mortgages
Secure financing for your self-build project with tailored mortgage solutions that support your construction journey from start to finish.
Commercial to Residential Conversions
Navigate the complexities of converting commercial properties to residential use with expert guidance and suitable mortgage options.
Why Choose Fennel Financial for Non-Standard Property Mortgages
Fennel Financial specialises in non-standard property mortgages, offering personalised service and expert knowledge to help you find the right financing solution.
Access to a wide range of mortgage lenders who offer non-standard property financing options.
Expert advice from experienced brokers who understand the nuances of non-standard mortgages.
A personalised approach to ensure your unique property financing needs are met efficiently.
What Are Non-Standard Property Mortgages?
Non-standard construction mortgages are specialised financing solutions tailored for properties that deviate from traditional building methods, such as listed buildings, prefabricated steel structures, homes with concrete or glass walls, and those featuring thatched or eco-friendly roofs.
These unique properties often require more detailed underwriting processes and may involve higher loan-to-value (LTV) ratios or different interest rate structures.
At Fennel Financial, we collaborate with specialised lenders who understand the complexities associated with non-standard properties. Our team ensures that clients receive appropriate funding solutions tailored to their specific requirements and circumstances.
Whether you’re considering a self-built home, a commercial-to-residential conversion, or a property with a non-traditional layout, we provide expert guidance to navigate the complexities of the housing market with confidence.
Book an appointmentFrequently Asked Questions
We’ve compiled answers to some of the most common questions about non-standard property mortgages to help you understand your options better.
A property is considered non-standard if it doesn’t fit the typical criteria for standard mortgages. This includes self-built homes, properties needing significant renovation, commercial to residential conversions, or homes with unusual layouts or planning permissions.
Non-standard mortgages provide flexibility for unique property types and complex financial situations, offering tailored financing solutions that accommodate your specific needs when standard options are not suitable.
Interest rates for non-standard mortgages can vary based on the lender and the specifics of the property and borrower. While they may sometimes be higher than standard rates due to increased risk, our brokers work to find the most competitive rates available.
Non-standard mortgage applications typically require more detailed documentation, including comprehensive property details, financial statements, business plans for conversions, and any relevant planning permissions or building approvals.
The processing time for non-standard mortgages can be longer than standard ones due to the additional documentation and underwriting requirements. On average, it may take several weeks, depending on the complexity of the application.
Yes, Fennel Financial works with a network of specialised lenders experienced in non-standard mortgages. Our brokers will help match you with the best lender and mortgage product to suit your unique property and financial situation.
Still have Questions?
Use the links below to get in touch with the Fennel team
