Mortgages for concrete build properties

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Concrete Build Mortgages

Concrete build properties have gained popularity in the United Kingdom due to their durability, energy efficiency, and unique architectural designs. As the demand for alternative construction materials grows, it becomes essential to understand the mortgage criteria associated with concrete build properties. In this article, we will explore the advantages of concrete build properties and delve into the specific mortgage considerations for individuals interested in purchasing or financing these types of homes in the UK.

To obtain advice on concrete build properties click here.

Advantages of Concrete Build Properties

  1. Durability: Concrete is known for its robustness and longevity. Concrete build properties are resistant to fire, pests, and adverse weather conditions, providing homeowners with a sense of security and peace of mind.
  2. Energy Efficiency: Concrete offers excellent thermal mass, meaning it can absorb and store heat, resulting in better temperature regulation within the property. This characteristic enhances energy efficiency and reduces heating and cooling costs for homeowners.
  3. Sound Insulation: Concrete’s density acts as an effective sound barrier, minimizing noise pollution from the outside environment and neighboring properties, thereby promoting a quieter and more comfortable living experience.
  4. Design Flexibility: Concrete allows for versatile and unique architectural designs. Homeowners can enjoy the freedom to create innovative layouts, spacious interiors, and striking exteriors, resulting in homes that stand out from the traditional brick and timber constructions.

Mortgage Criteria for Concrete Build Properties in the UK

When it comes to financing a concrete build property in the UK, there are a few key mortgage criteria to consider:

  1. Lenders’ Acceptance: Not all mortgage lenders may be willing to finance concrete build properties. It is crucial to research and identify lenders that have experience and a positive stance towards lending on such properties. Consulting with a mortgage advisor who specializes in non-traditional construction can be beneficial in this regard.
  2. Structural Certification: Mortgage lenders typically require a structural warranty or certification to ensure the quality and compliance of the construction. This certification confirms that the concrete build property meets specific safety and building regulations.
  3. Valuation and Survey: Lenders may require a specialist survey or valuation to assess the property’s condition, durability, and resale value. This step helps the lender evaluate any potential risks associated with the concrete build construction.
  4. Age of Property: Some lenders may have restrictions on the age of the concrete build property they are willing to finance. This criterion ensures that the property is relatively new and maintains structural integrity.
  5. Loan-to-Value (LTV) Ratio: The loan-to-value ratio is an essential factor in mortgage approvals. Lenders may have specific LTV restrictions for concrete build properties, which could affect the required deposit or equity for the buyer.

How can we help?

Over the years we have helped many individuals and families secure a mortgage product. We provide advice and recommendations according to your circumstances when obtaining a mortgage. If you are a first time buyer looking to purchase a concrete build property then head over to our first time buyer page.

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About the author

Hemal is an expert in mortgages and has successfully helped many people buy and remortgage their properties by fully assessing your needs and making advice and recommendation that suits your circumstances.
Hemal started the business during the pandemic and put customer service and expert advice at the forefront. Hemal has had media publications like BBC news, BBC radio and other media sources.
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