What exactly defines a "non-standard" construction?

Standard construction is typically defined as brick or stone walls with a slate or tile roof. Anything else—timber frames, steel frames, concrete pre-fabs, thatched roofs, or even "shingle" cladding—falls into the non-standard category and usually requires a specialist lender.

Why do high-street banks struggle with these properties?

Mainstream lenders rely on automated systems that prefer "predictable" properties. They worry about the long-term durability and future resale value of unique builds. We work with manual underwriters who look at the specific build quality rather than just ticking a box.

Are interest rates much higher for unique builds?

Not necessarily. While some specialist products carry a slight premium, many lenders offer competitive rates if the property is in good condition and has a structural integrity report. We aim to find you a rate that reflects the quality of the home, not just its materials.

Specialist Lending for Unique Builds.

Providing Support and Expertise for Every Build Type.

Beyond Brick and Mortar.

If your home is built from something other than standard brick and tile, most lenders see a risk. At Ezra Finance, we see a home. From historic timber-framed cottages to modern steel-frame builds and concrete pre-fabs, we have access to the niche lenders who understand the value of unique architecture.

What We Can Help Finance.

Timber & Steel Frames

Solutions for modern energy-efficient homes or historic timber structures.

Thatched & Historic

Lending for Grade I & II listed properties and traditional thatched roofs.

Concrete & Pre-fab

Helping you navigate the complexities of Wimpey No-Fines, and other systems.

Cladding & High-Rise

Navigating the latest safety regulations and high-rise apartment complexities.

Frequently asked questions

Non-Standard Construction FAQs

Ready to Apply?

Get in touch and one of our advisors can guide you through the process