What does non traditional construction mean? Non traditional construction is houses that aren’t built of brick or stone, such as concrete house constructions, PRC houses (pre-cast reinforced construction), and timber-framed properties. The house building industry is changing yet again.
How do you identify non standard construction? Your house will be considered a non standard construction if it is built of anything other than a traditional construction of bricks and mortar (or stone) with a slate or tiled roof. i.e. if your house incorporates frames, modular parts, cob etc then it will be considered non-standard construction.
Can I get a mortgage on a Reema property? Reema construction homes are usually harder to mortgage as many high street lenders will not offer a loan on a home that has been built in a non-traditional way. This is because many banks or mortgage lenders are no longer prepared to give a mortgage on Reema properties, although you can still make a cash purchase.
What is a non traditional build? A non-standard construction house is built from materials that do not conform to the ‘standard’ definition. Standard houses have brick or stone walls with a roof made of slate or tile. A non-standard construction is therefore anything that falls outside of this.
What does non traditional construction mean? – Related Questions
Can you get a mortgage on non standard construction?
Yes, there are specialist lenders who offer non-standard construction mortgages. Categorising things into ‘standard’ and ‘non-standard’ is a way for lenders to mitigate their risk. So as a general rule, non-standard properties are considered riskier and thus harder to finance.
What is the problem with non standard construction?
It’s more difficult for an insurance underwriter to assess the risk. Consequently, it can be difficult for you to get insurance on non-standard properties. It therefore also becomes harder to secure a mortgage to buy such a property and, in turn, this can make it difficult to sell on.
Can you change a non standard construction house?
You can switch the property from non standard construction to standard construction. One option to get around the non standard construction problem is to just replace the non standard part of the home. This is easier for some parts of the house than others.
What is wrong with concrete houses?
A further area of concern in both precast concrete and cast-in-situ systems is the quality of thermal performance, which tends to be poor. A large number of concrete houses have been found to suffer from excessive heat loss, surface condensation leading to mould growth, and rainwater penetration.
Do Halifax lend on steel framed houses?
Since then however, the Halifax has approved huge numbers of Steel Framed property mortgages, many of these being BISF Houses. The majority of sales going through Halifax do so with little or no problems, providing the surveyor is familiar with the property type and raises no objections.
Why are concrete houses Bad?
The concrete can be prone to defects, leading to structural issues later on. It is relatively easy for prospective home buyers to spot issues of structural weakness or mould and damp during a viewing, however, issues regarding non-standard construction are often difficult to note.
What is wrong with steel framed houses?
Steel houses suffer from relatively poor insulation and energy efficiency: steel conducts heat 300 to 400 times faster than wood and reduces the insulating properties of wall insulation by 60% because of thermal bridging (heat taking the most conductive path to dissipate: steel is an excellent conductor of heat.
Is concrete block non standard construction?
Concrete houses. Constructed from concrete blocks or pre-cast reinforced concrete (PRC), this type of non-standard construction was also very popular after WWII and produced many desirable homes from a lightweight, hardwearing and fireproof material.
What does non construction mean?
A non standard construction is simply a property that does not conform to the standard definition. In order to confirm to standard definition, the walls of a property are constructed either with stone or bricks and the roofs with tile or slates.
Why is it difficult to get a mortgage on a non-standard construction?
Specialist lenders are available who accommodate non-standard construction mortgages. By categorising construction types as ‘standard’ and ‘non-standard’, lenders can mitigate risk. Generally speaking, non-standard properties are considered higher risk, which makes them more difficult to finance.
Is crosswall construction non traditional?
Specifically, RAT-Trad Crosswall construction is different in so far as the end gables and separating party walls were built out of traditional block and brick construction whilst the front and rear elevations were typically formed from a non-traditional timber frame which was then boarded / sheathed using a variety of
Are park homes Mortgageable?
Unlike a traditional brick and mortar house, you cannot get a mortgage on a park home. This is because the land they stand on is owned by the site owner, not the residents. As such, there is no formal title registered with the Land Registry, meaning there is nothing for the lender to secure the mortgage against.
What is considered standard construction?
When Insurers refer to standard construction in respect of home buildings, they usually mean property that is built of brick, stone or concrete and roofed with slate, tiles, metal or concrete. The vast majority of flat roofs are constructed of felt on timber.
Do estate agents have to disclose non standard construction?
The fact is most Estate Agents will not tell you that you are buying a non-traditionally built property as most do not know. The only way to tell is to instruct an RICS Registered Surveyor to identify defects as well as indicate the construction type within the survey.
What is scotswood construction?
It is a scots wood (/scotch wood?) construction. It turns out that, at least for the purpose of mortage applications, it is not exactly the same as a timber frame construction. Nationwide, for instance, lends on timber frame constructions but not on scots wood constructions.
Why can’t you get a mortgage on a concrete house?
Concrete build mortgages can be more difficult to obtain. This is because concrete construction is classified as a ‘non-standard’ build type, and any property falling under this category may be considered higher risk, and therefore harder to insure and resell.
Are timber framed houses Mortgageable?
The simple answer is yes – you can find lenders who will provide mortgages on timber-framed houses. However, when compared with getting a mortgage on more traditional forms of housing, there are far more variables that could come into play, often making it more of a challenge.
Are timber framed houses standard construction?
Because timber frame is classed as non-standard construction, when it is known that a building is timber framed, you need to get a Building Survey rather than a HomeBuyers Report because they suit the former survey’s scope rather than the latter’s; Building Surveys cost more than HomeBuyers Reports.
Are concrete houses harder to sell?
Concrete construction houses are typically harder to sell than brick properties as they have more defects and less structural integrity.
What is BISF construction?
BISF was an association of steel producers, formed in 1934 in order to provide central planning for the industry. The main structure is of steel columns spaced to take standard metal windows between them. The central spine of the building which supports the first floor beams is carried on tubular steel columns.
What is woolaway construction?
Woolaway houses are a pre-cast concrete framed property. The bungalows were constructed in similar fashion although externally they appear different as the external walls are a faily narrow pre-cast concrete panel and they feature a contratsting cladding finish to the gable apex.