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Unacceptable Security

  • The following types of property are not acceptable:
  • Properties of non-standard (classed as defective under the Housing Act) construction
  • Freehold flats
  • Studio flats
  • Bedsits
  • Houseboats
  • Property adversely affected by subsidence
  • Property in a derelict condition
  • Multiple occupancy properties
  • Properties with a value of less than £90,000
  • Properties described in the valuation report as being unsuitable for mortgage purposes
  • Properties with flying freehold in excess of 15% of floor area
  • Properties attached to commercial premises
  • Ex-local authority houses in an area where the number transferred into private ownership is less than 40%
  • Farms/Small holdings
  • Restricted properties
  • Properties which are affected by Japanese Knotweed
  • Properties where spray foam insulation has been installed
  • Conversion of steel framed commercial premises to residential
  • Properties which are in effect ‘temporary construction’

Loans on properties which have been subject to sale or remortgage in the preceding six months will not normally be accepted with the following exceptions:

  • Inherited properties
  • Self-build properties