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Timber-frame homes

Most new houses have a timber frame behind brick. Older exposed frames, and frames without a warranty, raise different questions.

Modern kit or historic frameA 2015 house with a brick outer leaf is not a Tudor frame.
New-home warranty, if it is recentThe warranty provider and whether timber frame is named.
What the outside is clad inBrick, render, or timber boarding.
YearPre-war and post-2000 are not assessed from the same photograph.
Any mention of movement in a surveyIf you already have a report, the comments on the frame matter.

What this page will not do

Do not describe a modern timber-frame house as non-standard unless a surveyor has.
A thatched timber house belongs on both this page and the thatch page.
It will not name a lender, a product, or an approval chance.

Questions

Are new timber-frame houses hard to mortgage?: Ordinary warranted new timber frame is common. This page will not call it either easy or hard.
What about a barn conversion with a frame?: Use the renovation page as well, and bring the conversion warranty.

MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

These figures are illustrative.

An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.

Find a broker experienced with timber frame