Prepare the file
Uninhabitable property
If nobody can live there, many residential mortgages will not fit, because the security is not a home yet. The file is the reason it is uninhabitable and the plan to change that.
What this page will not do
- We do not offer bridging, and a guide on this site is not a bridging term sheet.
- Buying at auction with a short completion and no kitchen combines two hard constraints.
- It will not name a lender, a product, or an approval chance.
Questions
- Can I get a normal mortgage on a wreck?
- Often no. Sometimes a lender will proceed with a retention. The broker and the valuer decide on the building, not this page.
- Is derelict the same as non-standard construction?
- No. One is condition. The other is how it was built. A property can be both.
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 uninhabitable property