Beyond the ordinary
Rural & non-standard homes
West Wales has more than its share of characterful homes: farmhouses with outbuildings, cottages of traditional construction and properties with a few acres attached. Not every lender is comfortable with them, so knowing where to go matters.
How we can help
What we take care of
- Properties with land, outbuildings or equestrian facilities
- Older homes, listed buildings and non-standard construction
- Homes with agricultural or holiday-use restrictions
- Self-build and renovation projects, subject to lender appetite
Worth knowing
Things to consider
- i.
Lenders may only lend against the house and a limited area of land.
- ii.
Valuations on unusual homes can take longer and come back with conditions.
- iii.
Some construction types narrow the lender panel considerably.
Common questions
Questions we often hear
Can I get a mortgage on a property with land?
Often, yes. Many lenders will consider some land with a residential property, though limits vary. Larger acreages or commercial use may need a specialist approach.
Let’s talk it through.
Every mortgage starts with a conversation. Tell Leon where you are and where you’d like to be, and we’ll take it from there, at your pace.