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Trusted advisor for mortgages on timber framed properties.

Your mortgage is our mission. Don’t let a timber frame stand in between you and your homeowning ambitions. Our advisors are here to help!

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Can I get a mortgage on a timber framed house?

Yes! Though some lenders will outright refuse you because non-standard constructions lie outside their lending policy, there are lenders out there who are open to lending on timber framed houses. When the Bank Says No has access to the whole of the mortgage market and can source the right lender for your financial circumstances and the property you want to buy. With our expert team at your side, you can feel confident that you will end up with the right result for you. Get in touch with one of our advisors today and we can get started!

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Taking the stress away.

Have you just found out the property you want to buy has a timber frame? Or, worse, have you already been declined for a mortgage after your valuation?

Don’t panic, our team of friendly, professional mortgage advisors is here to get your future plans back on track. Though timber frame properties are considered non-standard, finding a mortgage for one is often easier than you think. With our team at your side, you can move forwards with your home-owning ambitions – confident, informed, and prepared.

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Why can it be difficult to get a timber frame property mortgage?

Despite the popularity of timber frames, many lenders consider a property built using them to be ‘non-standard’. For a property to be considered non-standard, its construction will be made of anything other than bricks and mortar, and sometimes lacking anything resembling concrete foundations or a tiled roof or slate roof. Lenders may be concerned about timber framed houses, including the lifespan of structure, and whether it is at higher risk of damage from timber decay or fire. In the face of these risks, the lender may question whether the non standard construction house can act as suitable security. However, not all lenders feel the same, which is why it’s important to approach the right lender through a specialist mortgage broker the first time around.

It’s not just timber framed properties that can be affected in this way when seeking a mortgage. Other types of non-standard construction properties, including concrete prefabs, steel framed properties, those with thatched roofs, listed country cottage, high rise flats, can also fall into this category, leaving those seeking a mortgage with similar issues to those seeking timber frame mortgages. It is worth noting that while you may manage to obtain a mortgage on a timber frame house, this doesn’t mean that another buyer will be able to later on, so this could present difficulties if you are looking to find a buyer later on. The mortgage lender may have concerns that if you default on your mortgage repayments, and they are forced to repossess the property, they could struggle to recoup their money from what is a non-standard property.

What factors will influence my chances of mortgage approval on a timber framed property?

When processing your mortgage application on a timber framed house, mortgage lenders will consider a range of factors. The age of the property in question will be important, as the type of timber frame can vary considerably, and certain ones are considered much more reliable than other timber framed properties built with different timber. The availability of buildings insurance for this type of property can also be a factor. Many lenders require you to have buildings insurance in place as a condition of a mortgage.

Mortgage lenders might also look at other materials used in construction of the property, and there will be an expectation that any work that needs to be carried out as per the recommendations of a structural survey, are completed before the full mortgage amount is released. Aside from the information provided on the property by a professional surveyor, mortgage lenders will also conduct all the usual credit checks. To improve your chances of success, a clean credit report and a larger deposit can be highly beneficial.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

What are the deposit requirements for timber framed properties?

As timber framed houses are non-standard construction properties, they are considered higher risk by mortgage lenders, who will usually insist on a higher deposit than with standard construction mortgages. Most lenders will expect a minimum deposit of 25% for a mortgage on timber frame houses, so the maximum LTV of 75% is pretty commonplace for these types of timber frame mortgage applications.

Frequently Asked Questions

I am looking to self build and want to use a timber frame construction. Are self build mortgages in these circumstances likely to be possible?

Yes, they are! More and more housing is being built using a timber frame construction, so it is not at all uncommon for self build mortgage applications to include them. Some mortgage providers will still have concerns about a self-build mortgage for this type of timber-framed home, though, so it’s important to get expert advice from a mortgage broker before you rush to apply.

Talk to our experienced mortgage advisors about your property and we’ll help you find the right lender to approach in the circumstances. Self-build timber frame mortgages are possible when handled by expert mortgage brokers with access to specialist lenders who are more willing to lend to those seeking to build a non standard construction.

Looking for a Buy to Let mortgage on a timber framed property is going to further reduce the options available to you as both types are more specialist mortgage options. However, plenty of specialist lenders exist and our expert mortgage brokers can help you find them! Whatever your future plans and the type of property you want to purchase, we’re here to guide you through the mortgage process and ensure you are set up for success.

A bad credit history won’t help matters when it comes to a non standard construction house, but nor will it mean a mortgage on a timber framed house is out of the question. Bad credit mortgages are available on most timber-framed properties, though there might be limited options. To ensure you put your best foot forward, speak with one of our advisors with your credit report handy. We’ll go through everything with you and discuss what the options are.

You are no doubt in love with your property, and can’t believe your lender couldn’t see its potential due to its timber frames. We know a rejection can be upsetting, but it’s important not to panic and reapply to get a mortgage too quickly – this can harm your credit report which is only going to make things more difficult. If you’ve just been declined after a valuation on your property, get in touch with our advisors today. We’ll act quickly and proactively to get your deal back on track if we can, or find an alternative option more suited to your needs.

Professional advice for timber framed property mortgages.

When the Bank Says No is a team of experienced mortgage advisors dedicated to supporting the journeys of our clients, whatever their specific circumstances. We aim to show people in non-standard or more complex situations that mortgage success is still possible.
With a friendly approach, years of expertise, and a reputation for transparent, highly accurate advice, we help our clients achieve success time after time. Timber framed house or non-standard construction property? No problem. Let’s find the most suitable deal for you.

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