We work with specialist lenders who regularly accept non-standard construction that high street lenders won't consider.
A specialist adviser will call you back, usually the same working day. Prefer to talk now? Call 01473 213312.
If you're trying to buy a timber framed house, you may already have found that getting a mortgage isn't always as straightforward as it should be. The property might look perfectly normal. It might be in great condition. It might even be the ideal home for you and your family. But as soon as some lenders hear the words "timber frame", they can become cautious, some may restrict how much they'll lend, some may ask for extra reports, and some may refuse to lend on the property altogether.
The frustrating thing is that timber framed houses are not unusual. Many modern homes are built this way, and lots of older timber framed properties have stood perfectly well for decades. The problem is that lenders don't all treat timber framed houses in the same way. One lender might be comfortable with a modern timber framed home with the right warranty. Another might be concerned about the cladding, the age of the building, the condition of the frame, or what the valuer says in the mortgage valuation.
This is where choosing the wrong lender can cause real problems. You could wait weeks for a decision, only to be told the property doesn't meet that lender's criteria, by which point you may already have paid for a survey or instructed solicitors. Knowing which lenders to approach from the start is exactly where we come in.
The right answer usually depends on the finer details of the property.
At Bluebell Mortgages, we help people arrange mortgages on properties that don't always fit the standard high street lending box, including timber framed houses. We take the time to understand the property, your circumstances and the lender criteria before recommending where to apply. We work with a wide array of lenders, including those more comfortable considering non-standard construction properties where the case makes sense. So whether you're buying a timber framed house, remortgaging one you already own, or trying to rescue a purchase after another lender has said no, we can help you work out your options.
You deal with one named adviser the whole way through. We do the lender research and the paperwork, so you get a clear path forward.
Fill in the one-minute form with a few details about you and the property.
A specialist rings you back, usually the same working day, to understand the property and your plans.
From 100+ lenders, we shortlist those genuinely comfortable with your property and present your case correctly.
A dedicated team handles the paperwork and liaises with agents and solicitors, right through to completion.
Over 100 lenders, including those more comfortable with timber framed and other non-standard construction. Using the right lender from the start makes a real difference: your application is far more likely to be accepted first time, rather than declined or capped, which protects your credit file and keeps your purchase on track.
We understand how lenders assess timber framed properties and what they'll ask for. Once we've reviewed your circumstances and the property, we can identify the lenders most likely to consider it properly, protecting your time and avoiding unnecessary credit checks.
We handle the research, lender selection, application and paperwork. You'll also have a dedicated administration team supporting your case, liaising with estate agents, solicitors and other parties to keep things moving, which means fewer delays and a faster, smoother route into your new home.
We regularly help people whose bank has said a timber framed property isn't acceptable. A decline from one lender doesn't always mean the property is unmortgageable, we review why, then assess whether another lender may take a different view.
You deal with a real person throughout, never a call centre, so you don't have to explain your case to multiple different people. Your adviser explains what's needed, why it matters, and which lenders may consider your timber framed property.
Fill in the 30-second enquiry or call us and speak to an adviser directly.
Request a callback 01473 213312Fill in the one-minute enquiry and a specialist adviser will call you back, usually the same working day.
Prefer to talk now? Call 01473 213312 and speak to an adviser directly.
A specialist adviser will call you back, usually the same working day. Prefer to talk now? Call 01473 213312.
