Over the years a number of properties have been built which are deemed to be “non traditional construction”.
Most of these properties were developed and built by local authorities.
Non traditional construction can cause problems with mortgage finance.
Where properties are designated as non traditional construction and defective no mortgage finance is likely to be available.
Non traditional construction takes various forms but usually involves reinforced concrete. In some cases prefabricated reinforced sections were constructed off site. Other forms of non traditional construction have poured concrete with metal reinforcement.
Types of construction which are generally unacceptable for mortgage purposes in their original state are as follows:
- Cornish Unit
- Newland Orlit
- Reemer Hollow Panel
- Schindler and Hawksley
- Unity and Butterley
This is not an exhaustive list and other types may be found.
Mortgage finance may be available on defective, non traditional construction which has been rebuilt to PRC standards. If you are considering purchasing a non traditional construction house you should enquire of the vendors to confirm if any rebuilding has been undertaken. If rebuilding has taken place this should be to PRC standards and a PRC certificate or equivalent should be provided.
Some types of non traditional construction are generally acceptable. These include:
- Wimpey No-Fines
- Lang Easi-form
Steel Frame Types
Steel frame types of houses are also generally unacceptable for mortgage purposes.
Common types include:
- British Iron and Steel Federation Housing (BISF)
- Hawthorn Lesley
- Lowton Cubit
Some lenders will consider these construction types if they have been clad externally with work carried out under a structural engineers report.
Before committing to purchase any non traditional construction we would recommend you contact a mortgage advisor in order to confirm whether any mortgage finance will be available.