Timber Frame & Non-Standard Construction
Lenders who specialise in non-standard construction types
Non-standard construction properties can be difficult to mortgage, but bridging lenders are more flexible. These specialists have experience valuing and lending on properties that mainstream lenders reject.
What these specialists cover:
Timber frame construction
Steel frame buildings
Concrete construction (various types)
Thatched properties
Prefabricated buildings
Specialist Lenders
| Lender | Rate From | Max LTV | Loan Range | Notes |
|---|---|---|---|---|
| Together | 0.55% /mo | 70% | £50,000 - £3,000,000 | Most flexible on non-standard. Will consider almost any construction type. |
| Shawbrook | 0.52% /mo | 70% | £75,000 - £10,000,000 | Good on timber and steel frame. Requires structural survey for some types. |
| MT Finance | 0.58% /mo | 70% | £100,000 - £7,500,000 | Experienced with non-standard. Each case considered on merits. |
| United Trust Bank | 0.50% /mo | 70% | £100,000 - £7,500,000 | Good for timber frame in particular. Clean record on warranties. |
| Glenhawk | 0.55% /mo | 70% | £150,000 - £15,000,000 | Flexible on construction type. Will consider unusual properties. |
Common Questions
Is timber frame harder to bridge?
Not necessarily. Most bridging lenders accept timber frame at standard rates. Exit mortgage options are the main consideration.
Can I bridge a thatched property?
Yes, but fewer lenders will consider them. Insurance costs and fire risk are the main concerns.
Do I need a structural survey for non-standard?
Often yes. Lenders may require specific reports on concrete type (e.g., PRC) or steel frame condition.
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