Can I get a mortgage on a single brick house?

Yes. While some mainstream lenders won't consider single brick construction, several specialist lenders actively lend on these properties. We know exactly which ones to approach.

Is single brick construction a problem?

Not inherently. Single brick properties have stood for over a century in many cases. The main concerns are damp and insulation, both of which can be addressed with modern improvements.

Will I pay a higher mortgage rate?

Not necessarily. If the right specialist lender is matched, rates can be competitive with standard construction mortgages. The key is finding the right lender first time.

Can I remortgage a single brick property?

Yes, the same approach applies. We'll find a lender comfortable with single brick construction and secure you the best available rate.

Single Brick Construction Mortgages

Single brick properties are classed as non-standard construction, but mortgages are available. We find specialist lenders who understand single skin builds.

What Is Single Brick Construction?

Single brick (also called single skin) construction means the external walls are built with just one layer of bricks, rather than the standard cavity wall with two layers. This is common in older properties, particularly Victorian and pre-war homes, as well as some outbuildings and extensions. While structurally sound when maintained, many mainstream lenders are cautious about single brick properties due to concerns about damp, insulation, and thermal efficiency.

Specialist lenders who accept single brick construction
Knowledge of single skin wall mortgage criteria
Properties with damp-proofing and insulation improvements considered
Both residential and buy-to-let options available
free initial advice expert guidance

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Why Are Lenders Cautious?

Single brick walls lack the cavity (air gap) found in standard construction. This makes them more susceptible to damp penetration and means they offer less thermal insulation. Lenders worry about ongoing maintenance costs and potential structural issues. However, many single brick properties have been successfully improved with internal insulation and damp-proofing.

Improving Mortgage Prospects

If your single brick property has been upgraded with internal or external insulation, damp-proof courses, or rendered/weatherproofed externally, your mortgage options improve significantly. Having evidence of these improvements (building regulations certificates, contractor receipts) strengthens your application.

Survey Requirements

Lenders typically require a detailed survey for single brick properties, often a Level 3 (full structural) survey. The surveyor will assess the condition of the brickwork, look for signs of damp, and check whether any improvements have been made. A positive survey report opens up more lending options.

How We Help

Rather than applying to a mainstream lender and being declined, we'll identify the specialist lenders who accept single brick construction and match you with the best option. Initial advice is free, and any broker fee is explained and agreed upfront before application.