Which UK Lenders Lend on Non-Standard Construction?

69 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.

As of 2026-09-13, published criteria from 69 of the 76 UK lenders whose published criteria we track can accommodate this scenario — 11 high-street, 38 building societies and 20 specialist — with minimum deposits from 2%.

Data refreshed 2026-09-13. Information only — not advice.

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69 of 69 matching lenders for your situation

High Street Lenders

Bank Of Ireland— Up to 95% LTV
Barclays— Up to 95% LTV, case-by-case
Co Operative Bank— Up to 95% LTV
Halifax— Up to 95% LTV
HSBC— Up to 95% LTV, case-by-case
Metro Bank— Up to 95% LTV
Nationwide— Up to 95% LTV, case-by-case
Natwest— Up to 95% LTV
Santander— Up to 95% LTV
TSB— Up to 95% LTV
Virgin Money— Up to 95% LTV

Building Societies

Accord— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds)
Bath BS— Up to 95% LTV
Beverley BS— Up to 95% LTV
Buckinghamshire BS— Up to 95% LTV, case-by-case
Cambridge BS— Up to 95% LTV, case-by-case
Chorley BS— Up to 95% LTV
Coventry BS— Up to 95% LTV, case-by-case
Cumberland BS— Up to 95% LTV
Darlington BS— Up to 95% LTV (80% for London/M25 remortgage), case-by-case
Dudley BS— Up to 90% LTV, case-by-case
Earl Shilton BS— Up to 95% LTV
Ecology BS— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share)
Family BS— Up to 80% LTV
Hanley BS— Up to 95% LTV, case-by-case
Harpenden BS— Up to 85% LTV, case-by-case
Hinckley Rugby BS— Up to 95% LTV
Leeds BS— Up to 95% LTV
Loughborough BS— Up to 95% LTV, case-by-case
Mansfield BS— Up to 95% LTV
Market Harborough BS— Up to 80% LTV
Melton BS— Up to 95% LTV (interest-only 60%, London 60%), case-by-case
Monmouthshire BS— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV, case-by-case
Newbury BS— Up to 95% LTV, case-by-case
Newcastle BS— Up to 95% LTV
Nottingham BS— Up to 95% LTV
Penrith BS— Up to 95% LTV, case-by-case
Principality— Up to 95% LTV
Progressive BS— Up to 95% LTV, case-by-case
Saffron BS— Up to 95% LTV, case-by-case
Scottish BS— Up to 95% LTV
Skipton— Up to 95% LTV (its 100% Track Record product is clean-credit only)
Stafford BS— Up to 95% LTV
Suffolk BS— Up to 95% LTV, case-by-case
Swansea BS— Up to 80% LTV, case-by-case
Teachers BS— Up to 95% LTV
Tipton Coseley BS— Up to 95% LTV
Vernon BS— Up to 95% LTV
West Brom— Up to 95% LTV

Specialist Lenders

Aldermore— Up to 98% LTV
Atom Bank— Up to 95% LTV
Bluestone— Up to 90% LTV, case-by-case
Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases
Foundation— Up to 90% LTV
Generation Home— Up to 95% LTV, case-by-case
Hodge— Up to 95% LTV, case-by-case
Kensington— Up to 95% LTV
Lendinvest— Up to 90% LTV
LG Home Finance— Up to 60% LTV, case-by-case
Livemore— Up to 80% LTV
Norton— Up to 85% LTV
Perenna— Up to 95% LTV, case-by-case
Precise— Up to 95% LTV
Tandem— Up to 90% LTV, case-by-case
The Mortgage Lender— Up to 95% LTV
Together— Up to 75% LTV
UTB— Up to 95% LTV
Vida— Up to 97% LTV
West One— Up to 97.5% LTV, case-by-case

A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.

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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.

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Frequently 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.