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Are there any types of property you don't lend on?

We'll consider most property types other than:

  • Farms and smallholdings
  • Grade 1 listed buildings
  • Agricultural tie or restricted properties
  • Freehold flats and maisonettes
  • Live / work units
  • Mobile homes
  • River boats
  • Properties with 10 or more acres of land
  • Low cost housing/restricted resale covenant schemes
  • Sheltered housing and properties with restricted age for the occupants
  • Holiday lets
  • Flats with deck access
  • Back to Back property built before 1980
  • Properties in extreme or high risk flood risk areas
  • Flats above 4 storeys with no lift access (number of storeys is assessed from ground level)
  • Flats above shops / retail units unless very high quality
  • Properties with a mineral felt flat roof that forms 100% of the total roof area of the property
  • Pre 1965 timber frame
  • Timber frame with timber outer leaf
  • Pre 1990 steel frame houses and bungalows
  • Semi Commercial Property that attracts business rates and would need modification
  • Flats converted from former office industrial buildings

As a minimum requirement, all properties must have a bathroom, internal WC, mains services and kitchen.

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