Non-Standard Construction Lender Checker

Select your construction type to see typical lender appetite, deposit requirements, survey level needed, and what certification you may need.

Select a construction type above

to see lender appetite, deposit requirements, and certification needed

Traffic light key

Widely accepted — most lenders
Some will consider — selected lenders
Typically decline — very few or none
Disclaimer: Lender criteria change frequently — sometimes weekly. This reflects typical positions as of April 2026. Individual lenders within each category may differ. Always verify current criteria with a specialist whole-of-market broker.

Our exclusive broker partner

Create Finance — for non-standard construction

Create Finance is authorised and regulated by the FCA — Unmortgageable is not. We earn a referral fee from Create Finance only if your mortgage completes through them. This never affects what you pay or what advice you receive.

Have Create Finance call me back

Unmortgageable is not FCA-authorised. Create Finance is — verify them independently on the FCA Register. See our affiliate disclosure.

Your property type may affect your mortgage

Non-standard construction, cladding, short leases — find out what it means for you.

Get started

This page is educational content, not financial advice or a personal recommendation. Unmortgageable is not FCA-authorised. Any broker or lender we link to is separately regulated — verify them on the FCA Register before engaging. See our affiliate disclosure.