SPECIALIST PROPERTY FINANCE FOR EVERY SCENARIO
One of the many benefits of using John Charcol is our direct access to specialist mortgage lenders, who are equipped to find the right deal for even the most complex of cases and unusual of properties.
We cater to a large client base, meaning we often need the flexibility to collaborate with specialist lenders to build tailor-made loans. We also identify and help to develop products to meet the ever-evolving needs and circumstances of our people.
Here, you'll find guides on all sorts of different scenarios in which you could potentially need a specialist property mortgage.
These specialist property finance resources are organised as follows:
Get a Specialist Property Mortgage
Can't get a traditional mortgage on a property? You might need bridging finance.
Non-Standard Construction Mortgages
You'll likely need a specialist property mortgage if the property you want to buy is of non-standard construction. Click here to read our guide on non-standard construction mortgages or see below for a selection of resources on specific types of non-standard construction.
Mortgage on Timber Framed House
Learn all about timber framed houses and mortgages in our guide: from lender criteria to buy to lets and more.
Mortgage on Single Brick Construction
Thinking about getting a mortgage on a single brick construction property? Learn about the difficulties, advantages, buy to lets, lenders & more here.
Concrete House Mortgage
Want a mortgage on a concrete house? Here we explain when it’s easier and harder to secure a concrete house mortgage, lender requirements and more.
Mortgage on a Prefab House
Can get a mortgage on a prefab house? Learn what a prefab house is, the pros and cons of them, the types of financing available and more.
Steel Framed Property Mortgage
Learn about mortgages for steel framed properties in our guide. What they are, the pros and cons, the costs involved and more.
Flat Roof Mortgages
Learn about flat roof mortgages in our guide. We’ll explain what they are, how to get a mortgage, the pros and cons, lender criteria and more.
Mortgage on a Thatched Property
Learn about getting a mortgage on a thatched property here. We go through how a thatched roof affects your mortgage & insurance, the pros & cons, costs & more.
Mortgage on Grade 2 Listed Building
Want to know if you can get a mortgage on a Grade 2 listed building? Learn about what listed buildings are, which lenders offer mortgage on them and more.
Buying a Property Under Challenging Circumstances
There are many different reasons securing a mortgage on a property can be challenging. Sometimes it's less about the property's construction and more about the circumstances surrounding it.
Buying a Repossessed House
See our guide for information on what a repossessed property is, how to buy one from the bank, the pros and cons of buying one and more.
Below Market Value Mortgage
Can you get a below market value mortgage? Learn all about buying a house at below market value and your mortgage options in our guide.
Mortgage on Uninhabitable Property
How can you get mortgages on uninhabitable property? We explain the different lending options, what make a property uninhabitable & what action you can take.
Flying Freehold Mortgage
Learn about flying freehold mortgages in our guide. We discuss what they are, potential issues, lender criteria and more.
Underpinned Property Mortgage
Want to get a mortgage on an underpinned house? We’ll explain what underpinned means, signs to look out for, how to get a mortgage and more.
Large Acreage Mortgage
Looking for a large acreage mortgage? Here we go through how they work, how to get one, the deposit requirements, what criteria lenders consider and more.
Mortgage on Ex-Local Authority
Looking to buy an ex-council flat? We explain how it works, the pros and cons and how you can get a mortgage on an ex-local authority flat.
Down Valuation: Is Your Mortgage Valuation Survey Undervalued?
Has your mortgage valuation undervalued your property? Learn what a down valuation means and what you can do.
Buying a Property with Issues
Some properties may have issues that have occured over time, such as subsidence, Japanese knotweed, etc, that can limit the number of lenders willing to use it as security. This means you may require a specialist mortgage, as opposed to a traditional high street one. Learn more about some of the issues that can affect properties below.
Asbestos and Mortgages
Can I get a mortgage on a house with asbestos? Learn about asbestos and mortgages here: how to find out if a property has asbestos, getting a mortgage and more.
Buying a House with Subsidence
Is buying a house with subsidence a good idea? Find out what subsidence is, how it affects mortgage options, the impact it has on property value & more.
Can I Get a Mortgage with Japanese Knotweed?
Find out if you can get a mortgage with Japanese knotweed, as well as what is, how common it is and how to identify it.
Mortgage with Contaminated Land
Learn how to get a mortgage with contaminated land, what counts as contaminated land, how to find out if land is contaminated and more.
Buying a Property in a Risky Location
Some properties are considered specialist properties because of their locations. For example, a house could be perfectly normal, but be close to a mineshaft or have a public footpath running through it. Because of the additional risk this exposure can pose to a property, you may require a niche deal for a specialist lender.
Mortgages Close to Mineshafts
Can you get mortgages close to mineshafts? We explain what a mineshaft is, what being near one means for your mortgage, what the lender looks for & more here.
Mortgages for Flats Above Shops
Looking to get a mortgage for a flat above a shop? Read our guide to read about what mortgage are available, how it works, deposit requirements and more.
Buying a House with a Public Footpath
Not sure if buying a house with a public footpath is a good idea? See our guide. We explain right of way, how a footpath can affect property value & more.
Mortgages Next to Commercial Property
Can you get a mortgage next to a commercial property? Learn about your lending options, criteria, deposits and what to consider.
Buying a Renovated or Unique Property
Besides from the materials used for construction and the location of a property, a property can be deemed specialist and face eligibility challenges simply due to the type of property it is, or improvements or renovations it has undergone since its original construction. It's also worth noting that some properties are common, so despite not being standard, they are still accepted by most lenders.
Learn more about specific property types and whether they require specialist property mortgages, below.
How Property Type Can Affect a Mortgage Application
Here we go through the different property types & the impact of non-standard construction on mortgages.
Mortgages for Properties with Annexes
Want to get a mortgage on a property with an annex? We’ll explain how to get a mortgage, the criteria and more.
Mortgages on High Rise Apartments
Learn about getting a mortgage on high rise apartments in our guide. We discuss deposits, lender criteria, cladding and more.
Solar Panels and Mortgage Lenders
Buying a property that has solar panels? Find out about the different types of solar panels and how to get a mortgage with solar panels in our guide.
Mortgage on a Castle
Want to get a mortgage on a castle? We’ll explain the pros and cons, mortgage eligibility, factors to consider and more.
Mortgage for a Church Conversion
Learn about mortgages for a church conversion in our guide. What they are, requirements for a mortgage, the fees involved and more.
Mortgage for a Barn Conversion
Considering converting a barn into a property? We explain what a barn conversion entails, the costs, how to get a mortgage and more.
Bungalow Mortgage
Learn about getting a bungalow mortgage here. We explain everything you need to know about bungalows, what lenders consider & more.
Apartment Mortgages
Want to get a mortgage on an apartment? We’ll explain the criteria, types of apartment mortgage, things to look out for and more.
Maisonette Mortgage
Want a maisonette mortgage? Here we explain how lenders assess your application, how freehold vs leasehold works with maisonettes & more.
Mortgages for Flats
Learn about mortgages for flats in our guide. What they are, the different types, how to get the best rates, insurance and more.
Care Home Mortgages
Learn about care home mortgages in our guide. What they are, how to get a mortgage, the potential difficulties and more.
Specialist Borrower Requirements
The reason you may require a specialist property mortgage may have less to do with the property itself, and more to do with your circumstances, for example your job or intention for the property.
Leasehold Mortgages
Thinking about buying a leasehold property? We explain what a leasehold property is, how easy it is to get a mortgage, the pros and cons and more.
Ex-Council House Mortgage
Looking to purchase an ex-council house? We’ll explain how to get a mortgage on these types of properties, the pros and cons and more, in our guide.
How to Get a Mortgage for a Fixer Upper
Find out how to get a mortgage for a fixer upper in our guide. We go through the different lending options available and things to consider.
Can I Get a Mortgage to Buy Off Plan?
Looking to buy off-plan? We’ll explain what buying off plan means, the pros and cons and how you can get a mortgage in our guide.
Seafarer Mortgages
Learn all about seafarer mortgages in our guide. We explain what they are, how they’re different from other mortgages, affordability calculations and more.
Airbnb Mortgage
Can you get an Airbnb mortgage? What if you already have a residential mortgage on a house you want to use as a holiday let? Learn about Airbnb mortgages here.
Holiday Let Mortgage
Learn about holiday let mortgages here: what they are, how they’re different from other mortgages, how to get the best rates, lender criteria and more.
Eco Mortgages
Want to be more eco-friendly? An eco mortgage could be the solution for you when buying a property. We go through how it works and your options.