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 is missingKitchen, bathroom, roof, services, or structural failure. Be specific.
Any survey you already haveIt describes the building. It is not an offer.
The works and the costA builder's figure, as on the renovation page.
How long until it could be lived inA weekend of cleaning is not the same as a six-month rebuild.
How the finished house would be financedA later mortgage is a plan, not a promise.

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 provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.

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.

Want a broker to look at your own numbers?

An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.

Speak to a broker experienced with uninhabitable property