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single brick mortgage

Written By:
Myles Robinson - Expert Finance Advisor

Posted: Feb 6, 2023

Single brick mortgage (single skin property)

A single bricklayer is used to build single skins or brick properties is most common in Victorian homes. Single-skin property mortgages are available so click the link below for free mortgage advice. We have a few mortgage providers lending for the single-skin property. We provide mortgage advice and introduce you to mortgage providers who can help with a single-skin property.

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Is it challenging to mortgage a single-skin brickwork property?

Single skin wall property can be more difficult, but it is not impossible to get a mortgage. You may need help from specialist lenders who offer single-skin construction mortgages.

While older homes may be constructed with one brick, developers will always produce a new build that meets modern construction standards. Lenders face the following problems:

  • The potential instability of one brick as an outer wall.
  • Energy inefficiency:
  • Problems with soundproofing and condensation.

Two-storey homes built entirely of single brick are very rare. However, we hear from clients who were denied mortgages because they did not like how a particular wall was constructed.

A single-skin brickwork building falls under the “non-standard construction properties”. This can limit your options when it comes to applying for a mortgage.

The good news is that we have a network of mortgage brokers who specialise in this field and can help you find the best mortgage lender if you want to invest in this property.

This article will help you to understand how we can assist you when looking for single-skin construction mortgages. Each online mortgage advisor can help with your mortgage application. They mortgage properties daily and offer the best mortgage deal.

Why is it so difficult to obtain a mortgage for a property with single-skin brick walls?

There are many issues with this type of construction, and mortgage lenders are concerned about how it will affect the resale value of properties built using it rather than a modern timber frame. Many feel that they may be unable to recover their loan in the event of repossession.

This method is no longer used to build new builds. They do not comply with modern building regulations. The Financial Times states that they are “potentially unstable and thermally inefficient” and susceptible to sound transmission, condensation, and water penetration.

It’s rare for mortgage lenders to lend on single-storey, two-storey constructions. Additionally, it’s becoming increasingly difficult for homeowners to obtain a mortgage for a property with even a small amount of single-skin walls.

Many lenders still trust the final decision of the surveyor on the security and future worth of these properties. Don’t lose heart if you are interested in a home partly made up of single brick. Many mortgage companies base their decisions on how standard single brick constructions are located in a specific location to determine re-saleability prospects.

Our mortgage brokers are specialists in finding the best mortgage deal for single-brick construction properties. Our network has advisors who are experts in a single skin mortgage. They can provide specialised advice and match you up to lenders with their risk appetite to consider your application.

There are many types of single-brick property mortgage lenders to consider

If your property has this type of single brick construction, you will most likely need to find a specialist lender. Many brokers in our network have strong working relationships with mortgage lenders who will consider lending to homes with the following:

  • Construction with one brick
  • Single skin construction
  • Single skin extension
  • Brick walls
  • Walls of single-skin brick
  • Single skin breeze block construction

These elements may be present in the property you are buying. We can help you find the right lender by asking our non-standard construction mortgage brokers. Our job is to help your mortgage get approved, whether for a non-standard property or a mortgage for a timber-framed house.

A mortgage to finance a single brick buy to let property

Many mortgage lenders have stricter guidelines regarding property buy-to-let (BTL) especially when it comes to a single brick mortgage. Some lenders won’t approve mortgages for investment properties with more than 25% of exterior walls made of a single brick.

It’s not all black and white. It depends on the buyer’s personal circumstances and property-specific factors. These factors apply to all non-standard mortgages. You can find out more about them in the next section.

Other factors that can impact eligibility

You must meet all eligibility requirements if you are buying non-standard properties. Otherwise, you could end up paying unfavourable rates or even no deal. When assessing your application, lenders will consider the following:

  • Credit history Clear credit history is usually a good idea, but there are bad credit mortgages.
  • Income type Mainstream lenders prefer borrowers who are in full-time work, but some specialists offer mortgages to self-employed professionals. They also provide mortgages with bonuses and commissions.
  • Seniority: It is more challenging to get a mortgage later because some borrowers have higher age limits. The brokers we work with have access to particular lenders who can cater to the retired.
  • Your outgoings A significant outgoing such as outstanding loans or dependent children can impact the amount of money you can borrow.
  • Deposit amount The more you can put down, the better. If you are purchasing a non-standard construction property or single-skin property, some lenders may insist that you pay more than the minimum amount to offset the risk.

It’s vital to get specialist advice if you don’t fit the criteria or are purchasing a non-standard property. Although fewer lenders will be available, you may still find a favourable deal with our whole-of-market broker network.

Talk to an expert about a single brick mortgage

Click the link below to speak with an exclusive single brick mortgage expert. We will introduce you to a specialist finance provider whose lender criteria you meet. They will require to see your approximate annual income and credit record whether you are looking for a period timber frame home or single brick properties.

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You must seek the right advice from a mortgage introducer if you consider buying a single skin property.

The risk of a mortgage rejection or unfavourable interest rate for homes built differently than modern-day building regulations is higher than for non-standard construction. However, the right mortgage broker can help you offset this risk.

Our mortgage advice is free and will match you with an advisor specialising in non-standard mortgages.

Contact us today as our experts have the experience and knowledge to match you with the perfect lender the first time. This could save you time, money, and disappointment.

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