Which UK Lenders Lend on Non-Standard Construction?
67 UK lenders will consider non-standard construction — concrete (including PRC), steel-frame, timber-frame and modern methods of construction. Almost all of them decide on the valuer's comments, so "case-by-case" is the honest norm rather than a flat yes.
Data refreshed 2026-07-06. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV, case-by-case
- Barclays— Up to 95% LTV, case-by-case
- Clydesdale Bank— Up to 95% LTV, case-by-case
- Halifax— Up to 95% LTV, case-by-case
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV, case-by-case
- NatWest— Up to 95% LTV, case-by-case
- Santander— Up to 95% LTV, case-by-case
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV, case-by-case
Building Societies
- Bath Building Society— Up to 95% LTV
- Beverley Building Society— Up to 95% LTV
- Buckinghamshire Building Society— Up to 90% LTV
- Cambridge Building Society— Up to 95% LTV, case-by-case
- Coventry Building Society— Up to 95% LTV
- Cumberland Building Society— Up to 95% LTV, case-by-case
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV
- Ecology Building Society— See lender criteria
- Family Building Society— Up to 80% LTV
- Godiva Mortgages— Up to 95% LTV, case-by-case
- Hanley Economic Building Society— Up to 95% LTV
- Harpenden BS— Up to 80% LTV, case-by-case
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leeds Building Society— Up to 95% LTV
- Mansfield Building Society— Up to 95% LTV, case-by-case
- Market Harborough Building Society— Up to 80% LTV, case-by-case
- Monmouthshire Building Society— Up to 95% LTV, case-by-case
- Newcastle Building Society— Up to 95% LTV, case-by-case
- Nottingham Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV, case-by-case
- Principality Building Society— Up to 95% LTV
- Progressive Building Society— Up to 95% LTV, case-by-case
- Saffron Building Society— Up to 95% LTV
- Scottish Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV, case-by-case
- Stafford Railway Building Society— Up to 95% LTV, case-by-case
- Suffolk Building Society— Up to 95% LTV
- Swansea Building Society— Up to 80% LTV, case-by-case
- Teachers Building Society— Up to 95% LTV
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- Atom Bank— Up to 95% LTV, case-by-case
- BM Solutions— Up to 80% LTV, case-by-case
- Central Trust— See lender criteria
- Foundation Home Loans— Up to 90% LTV, case-by-case
- Generation Home— Up to 95% LTV, case-by-case
- Hodge Bank— Up to 95% LTV
- InterBay— Up to 85% LTV, case-by-case
- Kensington Mortgages— Up to 95% LTV
- Keystone Property Finance— Up to 80% LTV, case-by-case
- Legal & General Home Finance— Up to 60% LTV, case-by-case
- LendInvest— Up to 90% LTV, case-by-case
- LiveMore— Up to 80% LTV
- Moda Mortgages— See lender criteria
- Norton Home Loans— Up to 80% LTV, case-by-case
- Skipton International— Up to 75% LTV
- Tandem Bank— Up to 90% LTV
- The Mortgage Lender— Up to 95% LTV, case-by-case
- The Mortgage Works— Up to 80% LTV
- Together— See lender criteria
- Vida Homeloans— Up to 97% LTV, case-by-case
- West One Loans— Up to 97.5% LTV
Why some lenders say no
- Some precast reinforced concrete (PRC) types are designated defective under the Housing Act 1985 — most lenders will only lend on these with an approved structural repair and a PRC certificate.
- The final decision almost always sits with the valuer: two identical construction types can get different answers depending on condition, location and how mortgageable comparable sales look.
- Resale risk drives the policy — lenders worry about how easily the property sells at repossession, so unusual types in areas with few comparables get declined even by flexible lenders.
Related reading: Property types lenders accept · Down valuations explained
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Run My Affordability CheckFrequently asked questions
What counts as non-standard construction?
Anything that isn't brick or block walls with a tiled or slated pitched roof: concrete (poured or precast panel), steel-frame, timber-frame with non-brick cladding, cob, wattle-and-daub, flat-roofed properties and modern methods of construction (MMC). Timber-frame with a brick outer skin is treated as standard by most lenders.
Can I get a mortgage on a PRC house?
Usually only if it has been structurally repaired under an approved scheme, evidenced by a PRC certificate. Designated defective types (Airey, Unity, Woolaway, Cornish and similar) are declined without one by nearly every lender. With a valid certificate, a good number of high-street lenders will consider the property at normal rates.
Is Wimpey No-Fines concrete a problem?
Much less than precast panel types. Wimpey No-Fines and Laing Easiform are cast in situ, aren't designated defective, and most mainstream lenders accept them subject to the valuer confirming condition. You generally don't need a repair certificate for these.
Does non-standard construction affect how much I can borrow?
Affordability is calculated the same way, but some lenders cap LTV on non-standard types, which raises the deposit you need. It can also affect buildings insurance costs — worth checking quotes before you commit, because lenders require insurance to be in place from exchange.
