News Unusual properties
For when the property itself is what a lender needs to think about.
A lender is lending against the property as well as against you. Construction type, tenure, insulation, planning restrictions and land can all narrow the choice of lender, and sometimes rule a property out. These guides explain what to check before you commit, and which issues can often be worked around.
If a survey or valuation has raised a concern, talk to us before you give up on the property. Criteria vary widely from lender to lender.
Guide · Updated September 2026 · 8 min
Most non-standard construction homes can be mortgaged. Here’s what lenders count as non-standard, which types are harder, how PRC certificates work, and how to tell what a house is built from.
Guide · Updated September 2026 · 9 min
Spray foam in the roof can make a mortgage harder to get, but not always impossible. Why lenders worry, what reports they ask for, and your options if you’re buying, selling or remortgaging.
Guide · Updated September 2026 · 8 min
A flying freehold is part of a home that sits over land a neighbour owns, like a room above a shared passage. What it means, how lenders treat it, indemnity insurance and whether to buy.
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