Property
UK Mortgages by Property Type
Flats above commercial premises, ex-local-authority, cladding, non-standard construction — each flags lenders differently. The business type, building height, lease length, and construction type all shift the pool.
Property questions
Flat above a takeaway or shop
45 lenders consider semi-commercial — business type matters most.
Read the answerEx-local-authority flat
Most lenders accept low-rise. High-rise ex-LA narrows the pool sharply.
Read the answerProperty with cladding (EWS1)
EWS1 rating drives eligibility. B2 (remediation) limits to a small pool.
Read the answerWhat lenders look at
Four property factors drive acceptance or decline:
- Resale risk — anything that makes the property harder to sell later (commercial neighbour, high-rise ex-LA, short lease) shrinks the lender pool.
- Fire safety and EWS1 — post-Grenfell, flats above 11-18 metres need EWS1 ratings. Rating matters a lot.
- Construction type — timber frame post-1970, concrete (No-Fines, Reema), steel frame, MMC — all treated as non-standard by most lenders.
- Lease length — most lenders want 70-85 years remaining at application and 40+ years after the mortgage term ends.
See which of the 60+ UK lenders will consider you — and at what amount
Run a free check across 9 lenders, or £9.99 for the full 60+ with deposit, adverse and property-type filters.
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