Securing a mortgage on a British Iron and Steel Federation (BISF) steel-framed property often pushes buyers toward expensive specialist lenders due to standard high-street rejections. First Select Mortgage Brokers navigated complex lender underwriting parameters to secure a high-street mortgage at a competitive low rate with a minimal deposit for two first-time buyers.

The Goal: A First Step on the Property Ladder

For first-time buyers early in their careers, stepping onto the property ladder is already a major milestone. Our clients found an affordable home that suited their budget perfectly, allowing them to make the leap from renting to homeownership without overstretching their modest salaries.

However, the transaction carried high stakes. With limited savings, they needed a low-deposit mortgage at a competitive high-street interest rate to ensure their monthly outgoings remained manageable.

The Obstacle: The “Impassable Road” of BISF Construction

The property was a British Iron and Steel Federation (BISF) home—a popular form of post-war prefabricated steel-framed construction. Think of property underwriting like a conveyor belt: high-street lenders prefer standard brick-and-mortar homes because they are straightforward to value and resell. When a non-standard construction type like a metal frame comes down the belt, automatic systems often flag it and halt the process.

Most mainstream banks decline BISF properties outright or demand extensive, costly structural surveys alongside higher deposit requirements. Facing these rejections, the buyers feared their only route forward was a specialist lender.

Standard High-Street Path:   [ BISF Metal Frame ] ──> [ Automatic Underwriting Decline ]
Specialist Lender Path:      [ Higher Deposit Required ] + [ Elevated Interest Rates ]

Whilst specialist lenders can often provide excellent solutions to lending challenges, relying on a specialist lender in this situation would mean:

• Higher Interest Rates: Significantly increasing monthly payments.
• Larger Deposit Requirements: Forcing the buyers to delay the purchase to save more capital.
• Added Financial Stress: Straining a modest budget at the very start of their financial journey.

The Engineering: Securing Mainstream Approval

Rather than accepting a high-cost specialist product, First Select restructured the application strategy from the ground up. Non-standard construction approval is not about changing the property; it is about selecting the exact lender whose criteria matrix accepts the specific structural framework.

First Select executed a three-step placement strategy:

• Granular Criteria Matching: We filtered the entire mortgage market to isolate the select group of high-street banks whose underwriting guidelines explicitly accept BISF properties without imposing penalizing terms.
• Pre-Application Surveyor Engagement: We engaged directly with panel surveyors prior to submission to ensure the property met the specific structural conditions required by the chosen bank.
• Income & LTV Optimization: We packaged the clients’ modest income streams alongside a low-deposit structure (90% LTV), presenting a pristine credit profile to offset the non-standard nature of the building.

By carefully matching the physical properties of the building to the precise risk appetite of a mainstream lender, we bypassed the need for expensive secondary market financing.

The Outcome & Key Takeaway

First Select successfully secured a full mortgage offer with a tier-one high-street bank, delivering a outcome that kept the clients’ homeownership dream intact and affordable.

• Deposit: 10% (90% LTV)
• Interest Rate: Market-leading high-street fixed rate
• Turnaround Time: Full offer issued in 12 working days

Key Takeaway for Buyers: A property decline from a high-street bank is rarely a final “no”—it is often simply a sign that your property type does not fit that specific bank’s automated algorithms. Specialist guidance can help you find mainstream rates on non-standard homes.

Disclosure & Privacy

The above case study is a genuine client of First Select Mortgage Brokers. Exact details of the clients situation have been modified or changed very slightly to protect the clients privacy.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

FCA Risk Warning:

YOUR HOME OR OTHER PROPERTY CAN BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.

The post How We Secured a High-Street Mortgage for a BISF Metal-Framed Property for First Time Buyers first appeared on First Select Mortgage Brokers.

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services. Our goal is to be the most trusted regional mortgage advisory business in the northwest of England.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

The post Guide: Non-Standard Construction Mortgages Download Page first appeared on First Select Mortgage Brokers.

Quickbuild Timber Framed House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. They are not defective homes, they are simply built from non-standard construction materials. The vast majority of homes in the UK are made from brick, with a tile or slate roof.

However there are plenty of homes built from other materials. You only need to watch an episode of ‘Grand Designs’ to see how some modern homes can be built from different materials.

What is a Quickbuild Timber Framed House Mortgage?

The Quickbuild Timber Framed House is also refered to as the Quikbild or Llewllyn Timber Framed house. These homes can look modern and do not appear like PRC homes as they are often brick clad, making them appear standard construction. Most likely for this reason, the homes have built since 1965 right up till 1980’s. These homes were made by Quikbild Homes Ltd and they made ~12,000 of these homes, many still provide safe and comfortable homes for thousands of families across the UK.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind they are likely to require a higher deposit compared to high-street lenders. The rates on these mortgages may also be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Quickbuild Timber Framed House
• Purchase your Quickbuild Timber Framed House from the council using a Right to Buy mortgage
• Raise money secured on your Quickbuild Timber Framed house for home improvements
• A Secured Loan on your Quickbuild Timber Framed house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Quickbuild Timber Framed house into a ‘standard property’
• Purchase a Quickbuild Timber Framed home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences. We can meet face to face, virtually or on the phone. Our systems allow you to submit information and documentation via our secure client portal. After we have arranged your mortgage, our friendly team will be on hand to help keep your finances in good health, into the future and we will be happy to help again with remortgaging or product switching.

• A dedicated Mortgage Adviser
• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Secure client portal to upload documents and share information
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation
• Insurance & Protection to shelter you from unexpected events
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services. Our goal is to be the most trusted regional mortgage advisory business in the northwest of England.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Quickbuild Timber Framed House Mortgage first appeared on First Select Mortgage Brokers.

Woolaway PRC House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. They are not defective homes, they are simply built from non-standard construction materials.

What is a Woolaway PRC House Mortgage?

The Woolaway is a Pre-Cast Concrete home manufactured mostly a a semi-detached house across the UK. In total around 24,000 of these homes were built across the UK. Many of these homes were built between 1946 and 1956 for a period of ten years. We estimate around 5,000 of these homes were built during this time. These homes are made from concrete panels manufactured in a factory, and then assembled on site. Many these types of homes were built post-war to meet the housing shortage.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes.

First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind these lenders may require a higher deposit compared to high-street lenders and the interest rates might be higher. However we will create a bespoke solution that us is affordable for your budget.

If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Woolaway PRC House
• Purchase your Woolaway PRC House from the council using a Right to Buy mortgage
• Raise money secured on your Woolaway PRC house for home improvements
• A Secured Loan on your Woolaway PRC house to consolidate debts
• Purchase a Woolaway PRC home to rent out (Buy to Let Mortgage)
• Right to Buy mortgage on a Woolaway house
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences.

• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Secure client portal to upload documents and share information
• Mortgage Decision in Principle (DIP) certificate
• Whole of market mortgage advice and recommendation
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Woolaway PRC House Mortgage first appeared on First Select Mortgage Brokers.

Tarran Newland PRC House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. They are not defective homes, they are simply built from non-standard construction materials. The vast majority of homes in the UK are made from brick, with a tile or slate roof.

However there are plenty of homes built from other materials. You only need to watch an episode of ‘Grand Designs’ to see how some modern homes can be built from different materials.

What is a Tarran Newland PRC House Mortgage?

The Tarran Newland or simply ‘The Newland PRC House’ is a Pre-Cast Concrete home manufactured by Tarran Industries Ltd from around 1944 to 1956. These homes have a similar construction to Dorran and Myton homes as they were made by the same company.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind they are likely to require a higher deposit compared to high-street lenders. The rates on these mortgages may also be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Tarran Newland PRC House
• Purchase your Tarran Newland PRC House from the council using a Right to Buy mortgage
• Raise money secured on your Tarran Newland PRC house for home improvements
• A Secured Loan on your Tarran Newland PRC house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Tarran Newland PRC house into a ‘standard property’
• Purchase a Tarran Newland PRC home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences. We can meet face to face, virtually or on the phone.

• A dedicated Mortgage Adviser
• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Secure client portal to upload documents and share information
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation
• Insurance & Protection to shelter you from unexpected events
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services. Our goal is to be the most trusted regional mortgage advisory business in the northwest of England.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Tarran Newland PRC House Mortgage first appeared on First Select Mortgage Brokers.

Boot Pier & Panel House Mortgage: There are many non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families but they were built using alternative methods of construction instead of brick.

What is a Boot Pier & Panel House Mortgage?

The Boot Pier & Panel House is Metal Framed house made by Henry Boot & Sons from 1910 till around 1930. This home pre-dates the second world war is one of the older non-standard construction homes in the UK. Less than 10,000 of these homes were built in both England and Scotland. Many of these homes have been converted and provide safe and comfortable homes for thousands of families across the UK.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who can provide mortgages on these homes. The rates on these mortgages can be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. In many cases non-standard construction homes are cheaper than standard construction, and mortgage amounts are typically lower than average.

How we can help:

• Purchase your Boot Pier & Panel House
• Purchase your Boot Pier & Panel House from the council using a Right to Buy mortgage
• Raise money secured on your Boot Pier & Panel House house for home improvements
• Raise money to convert the Boot Pier & Panel House house into a ‘standard property’
• Purchase a Boot Pier & Panel House home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences. We can meet face to face, virtually or on the phone.

• A dedicated Mortgage Adviser
• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Boot Pier & Panel House Mortgage first appeared on First Select Mortgage Brokers.

Mowlem In-Situ Concrete House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. They are not defective homes, they are simply built from non-standard construction materials. The vast majority of homes in the UK are made from brick, with a tile or slate roof.

However there are plenty of homes built from other materials. You only need to watch an episode of ‘Grand Designs’ to see how some modern homes can be built from different materials.

What is a Mowlem In-Situ Concrete House Mortgage?

The Mowlem house is a poured in-situ concrete home. This means it wasnt manufactured in parts, but instead built on site pouring concrete. These homes take various forms including bungalows, terrace homes, 2 storey and 3 storey semi detached homes. They were built from 1945, upto as recently as1981 and many look more modern compared to post-war non-standard construction homes. These homes were built by W Airey & Sons and around 26,000 of these homes were built across the UK, many of these homes provide safe and comfortable homes for thousands of families across the UK.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind they are likely to require a higher deposit compared to high-street lenders. The rates on these mortgages may also be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Mowlem In-Situ Concrete House
• Purchase your Mowlem In-Situ Concrete House from the council using a Right to Buy mortgage
• Raise money secured on your Mowlem In-Situ Concrete house for home improvements
• A Secured Loan on your Mowlem In-Situ Concrete house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Mowlem In-Situ Concrete house into a ‘standard property’
• Purchase a Mowlem In-Situ Concrete home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences.

• A dedicated Mortgage Adviser
• Direct access via phone, email and messenger at every stage
• Full UK coverage, we can support clients all across the UK.
• Secure client portal to upload documents and share information
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services. Our goal is to be the most trusted regional mortgage advisory business in the northwest of England.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Mowlem In-Situ Concrete House Mortgage first appeared on First Select Mortgage Brokers.

Orlit PRC House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. They are not defective homes, they are simply built from non-standard construction materials. The vast majority of homes in the UK are made from brick, with a tile or slate roof.

However there are plenty of homes built from other materials. You only need to watch an episode of ‘Grand Designs’ to see how some modern homes can be built from different materials.

What is a Orlit PRC House Mortgage?

The Orlit PRC House is a Pre-Cast Concrete home manufactured by Orlit during the 1940’s and 1950’s to meet the demand for homes following the second world war. PRC means pre-cast concrete, which means the house was made from concrete panels made in a factory and assembled on site. Around ~20,000 Orlit homes were built across the UK. They can be hard to distingusih between other non-standard homes as they are often clad. A professional surveyor will be able to confirm the type of your PRC home.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind they are likely to require a higher deposit compared to high-street lenders. The rates on these mortgages may also be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Orlit PRC House
• Purchase your Orlit PRC House from the council using a Right to Buy mortgage
• Raise money secured on your Orlit PRC house for home improvements
• A Secured Loan on your Orlit PRC house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Orlit PRC house into a ‘standard property’
• Purchase a Orlit PRC home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences.

• A dedicated Mortgage Adviser
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Orlit PRC House Mortgage first appeared on First Select Mortgage Brokers.

Reema Hollow Panel PRC House Mortgage: Reema Hollow is a type of non-standard construction home made from concrete. This was a special type of construction manufactured and assembled across the UK. Whilst the home is considered ‘non-standard’ they are perfect properties providing safe and comfortable living for many people and families.

What is a Reema Hollow Panel PRC House Mortgage?

The Reema is a PRC house made from Pre-Cast Concrete and was made by Reema Construction Ltd based in Sailsbury. There are three main varieties of Reema PRC house: Reema Hollow Panel, Reema Conclad and Reema Contrad. The Reema Hollow Panel is the most popular variety with around 17,600 of these homes made across the UK. Like so many non-standard construction homes, Reema Hollow Panel homes were built after the second world war to meet the shortage of homes and lack of skilled labout to build them. These homes often have a distinctive panel shape to the exterior.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes.

First Select Mortgage Brokers has access to a range of specialist lenders who can consider mortgages on these homes. If you currently rent your home from the council or housing association, we can help with a Right to Buy Mortgages.

How we can help:

• Purchase your Reema Hollow Panel PRC House
• Purchase your Reema Hollow Panel PRC House from the council using a Right to Buy mortgage
• Raise money secured on your Reema Hollow Panel PRC house for home improvements
• A Secured Loan on your Reema Hollow Panel PRC house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Reema Hollow Panel PRC house into a ‘standard property’

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences.

• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Full UK coverage, we can support clients all across the UK.
• Secure client portal to upload documents and share information
• Whole of market mortgage advice and recommendation
• Insurance & Protection to shelter you from unexpected events
• Clear communication and regular updates
• All circumstances consider including low-credit, self-employed and multiple incomes

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

Facebook

Linkedin

Instagram

References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Reema Hollow Panel PRC House Mortgage first appeared on First Select Mortgage Brokers.

Unity PRC House Mortgage: There are around 700,000 non-standard construction homes across the UK. Many are perfect properties providing safe and comfortable living for many people and families. However there are plenty of homes built from other materials. You only need to watch an episode of ‘Grand Designs’ to see how some modern homes can be built from different materials.

What is a Unity PRC House Mortgage?

The Unity PRC House is a Pre-Cast Concrete home manufactured from 1950s onwards. The structure is built from pre-cast concrete panels, but the exterior can be clad in brick or pebble dashed, which can make it appear and look like a standard home. Like many non-standard construction homes, Unity PRC homes were built shortly after the war to meet the shortage of homes, and lack of skilled labour to build them. Around 19,000 of these homes were built across the UK, and technically there are two varieties, Unity Type I and Unity Type II, although the differences are minimal. We believe there are around 15,000 Unity homes built.

Whilst these homes are no more likely to have issues than any normal home, the types of problems can be unique to that property type. For this reason, many high-street banks will not provide a mortgage on these types of homes. Thankfully First Select Mortgage Brokers has access to a range of specialist lenders who are regulated by the FCA who can provide mortgages on these homes. Just keep in mind they are likely to require a higher deposit compared to high-street lenders. The rates on these mortgages may also be higher, but we will bespoke a solution to ensure it is affordable for you and the monthly payments are within your budget. If you rent your home from the council or housing association, we can help with a Right to Buy Mortgage, and we can also help if your credit score is low and if you are self-employed.

How we can help:

• Purchase your Unity PRC House
• Purchase your Unity PRC House from the council using a Right to Buy mortgage
• Raise money secured on your Unity PRC house for home improvements
• A Secured Loan on your Unity PRC house to consolidate debts
• Raise money for a large purchase such as a caravan or conservatory
• Raise money to convert the Unity PRC house into a ‘standard property’
• Purchase a Unity PRC home to rent out (Buy to Let Mortgage)
• We can consider all circumstances including low credit and self employed applicants

Our Services

Our team of friendly experts will explain the process of applying for a mortgage and guide you along the journey. We can explain the entire process and provide FCA regulated advice and recommendation on the best financial solutions for your circumstances, based on your preferences. We can meet face to face, virtually or on the phone. Our systems allow you to submit information and documentation via our secure client portal. After we have arranged your mortgage, our friendly team will be on hand to help keep your finances in good health, into the future and we will be happy to help again with remortgaging or product switching.

• A dedicated Mortgage Adviser
• Direct access via phone, email and messenger at every stage
• Face to face, virtual or over the phone, flexible to meet your needs
• Mortgage Decision in Principle / Agreement in Principle (DIP / AIP) certificate
• Whole of market mortgage advice and recommendation
• Clear communication and regular updates

Contact Us

Read our Free Information guide for Non-Standard Construction Mortgages.

Have more time? We have published a Free Information Guide for Non Standard Construction Mortgages. It is a short 4 minute read and can be accessed: here

About us

First Select Mortgage Brokers are friendly and professional mortgage brokers. We can access mortgages from the whole of the UK mortgage market, meaning we can get the best possible deal for our clients circumstances. Based in Manchester, we are a family business with decades of experience in financial services. Our goal is to be the most trusted regional mortgage advisory business in the northwest of England.

Our team of experts are ready and waiting to help. Contact the team below:

Phone: 0161 393 1575 // 07780 446 937

Email: hello@firstselectfs.co.uk

Visit our Contact Us page to make a formal enquiry

Visit us on our Social Channels:

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References & Disclosure:

https://www.brebookshop.com/samples/326979.pdf

The post Unity PRC House Mortgage first appeared on First Select Mortgage Brokers.