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WHAT IT MEANS TO BUY A UK PROPERTY WITH 'NON-STANDARD CONSTRUCTION'

When searching for a property in the UK, most buyers expect homes made of traditional materials like brick or stone, with tiled roofs and solid foundations. However, not all properties fit this mold. Some homes are built using different techniques or materials that fall under the category of "non-standard construction." While these properties can be unique and potentially more affordable, they also come with their own set of challenges.

Understanding what it means to buy a property with non-standard construction is crucial for any prospective buyer. This blog post will explore the key features, benefits, and potential pitfalls of these types of properties, helping you make an informed decision.

What is Non-Standard Construction?

A property is considered to have non-standard construction if it doesn’t conform to the typical building methods and materials widely used in the UK. Standard construction usually involves brick or stone walls with a slate or tile roof. If a property deviates from this, it is often categorised as non-standard.

Non-standard construction can include a variety of materials and techniques, such as:

Timber Frames: Homes where the structure relies heavily on timber.
Concrete or Pre-fabricated Panels: Properties built with pre-cast concrete or panel systems, which were particularly popular during the post-war housing boom.
Steel Frames: Buildings where the framework consists of steel, often seen in some 20th-century homes.
Flat Roofs: Instead of the traditional pitched roof, some properties have flat roofs, which are also considered non-standard.
Thatched Roofs: Homes with roofs made from natural materials like straw or reed.

Each of these construction types can influence the property’s durability, energy efficiency, and structural integrity, which in turn affects its marketability and mortgage eligibility.

Why Non-Standard Construction Exists

Non-standard construction methods were often used during periods of housing shortages, particularly after World War II. To meet the high demand for affordable housing, builders experimented with new materials and techniques that allowed for quicker and cheaper construction. As a result, a significant number of homes from the 1940s to 1960s were built with concrete or pre-fabricated materials.

Additionally, certain areas of the UK, particularly rural or coastal regions, may have used non-standard construction methods due to the availability of local materials. For example, timber-framed houses or thatched roofs may be common in some countryside areas because they utilise the natural resources available.

Pros of Buying a Non-Standard Construction Property

1. Potential for Lower Purchase Prices

Non-standard construction homes are often priced lower than traditional properties because they are perceived as riskier or more difficult to finance. This makes them attractive to buyers looking for a bargain, especially in areas where property prices are otherwise high.

2. Unique Character

Homes built with non-standard construction can offer distinctive designs and architectural features. If you're a buyer looking for something different from the typical brick house, a non-standard property might stand out for its individuality.

3. Opportunity for Renovation

Many non-standard construction properties offer great potential for renovation and improvement. Buyers who are willing to invest in modernising these homes can often add significant value, making them a good option for those looking for a project.

4. Eco-Friendly Materials

Some non-standard properties, particularly timber-framed homes or houses with thatched roofs, use sustainable and environmentally friendly materials. This could appeal to eco-conscious buyers seeking a home with a smaller environmental footprint.

Cons and Challenges of Buying a Non-Standard Construction Property

While there are some advantages to buying a non-standard construction home, there are also several challenges that potential buyers need to be aware of:

1. Difficulty Obtaining a Mortgage

One of the most significant issues with non-standard construction properties is that they are often harder to finance. Many mortgage lenders view these properties as higher risk due to potential structural concerns or the costs associated with maintenance and repairs. As a result, it can be more difficult to secure a mortgage, or you may be offered less favourable terms.

Specialist lenders may offer mortgages for non-standard properties, but they often require higher deposits or charge higher interest rates. It’s essential to speak to a mortgage advisor who has experience with non-standard construction before making any commitments.

2. Insurance Complications

Insuring a non-standard property can also be more complicated and expensive. Insurers may view these homes as riskier due to factors like the materials used (e.g., timber, which is more susceptible to fire or rot) or the potential for more frequent repairs. You may need to seek out specialised insurance providers who are familiar with non-standard construction, which could result in higher premiums.

3. Potential Structural Issues

Certain types of non-standard construction, particularly those involving pre-fabricated materials or concrete, may have long-term structural issues. For example, post-war concrete homes were often built quickly and cheaply, and some of these properties have since been found to have problems with durability and safety.

A detailed structural survey is crucial before purchasing any non-standard construction home. A surveyor who specialises in these types of properties can assess potential issues and give you a clearer understanding of any repair costs you might face in the future.

4. Limited Market Appeal

If you're planning to sell the property later, keep in mind that non-standard construction homes can have a narrower pool of potential buyers. Some buyers may be put off by the challenges around financing, insurance, and maintenance, which could make it harder to sell the property quickly or at the price you want.

Things to Consider Before Buying a Non-Standard Construction Property

If you’re considering buying a non-standard construction property, it’s essential to do your due diligence. Here are a few key steps to take:

Consult with a Specialist Surveyor: A thorough structural survey is vital to assess the condition of the property and identify any potential issues.
Explore Your Financing Options: Speak to a mortgage broker who specialises in non-standard properties to understand your financing options.
Get Proper Insurance: Ensure you can find insurance that covers the type of construction and materials used in the property.
Plan for Maintenance Costs: Be prepared for potentially higher maintenance and repair costs, especially if the property is made from less durable materials like concrete or timber.

Conclusion

Buying a property with non-standard construction in the UK can be an excellent opportunity, especially if you're looking for something unique or more affordable. However, it’s crucial to understand the challenges that come with these types of homes, from financing difficulties to potential structural issues. By doing your research and seeking expert advice, you can make an informed decision that suits both your budget and long-term property goals.

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