Unusual properties and their many quirks

Image of British house.
Thursday January 16, 2020

Clients often approach Large Mortgage Loans seeking finance against unusual property types – but what exactly earns a property the title of “unusual”?

Almost all UK mortgage lenders regard properties built with brick walls and a tiled roof to be of “standard construction type”; meaning any property not matching those characteristics is technically “unusual” in the eyes of banks and lending institutions.

A property may also be deemed unusual due to its size, use or even status. In the UK, some properties are categorised as either Grade I, II or III listed, meaning varying levels of restrictions have been placed on the works and renovations that can be carried out on them. This can heavily limit the options available for financing such properties. Large Mortgage Loans was recently approached by a client who, following a recent divorce, had a limited deposit with which to secure a new Grade II-listed home for themselves. Despite the client’s complex income structure adding to the complexity, we were able to secure an interest-only mortgage for them.

More recently we were tasked with securing an eight-bedroom farmhouse for a client with a volatile income history. The property was situated on a 20-acre plot of land – again, many lenders can struggle to fund where there are significant land holdings or agricultural ties. However, Large Mortgage Loans’s Associate Director Matthew Hillyer called on his extensive criteria knowledge and was able to get the clients into their new home.

Yet another “quirky” property might be the magnificent 300-year old stately home in Somerset, which Senior Commercial Manager Charles Ayton assisted our clients in purchasing – for the purpose of converting into an event venue. The buyers actually approached us when their original funding line fell through just three weeks prior to the expected completion date. Again, a strong network of lender relationships allowed us to find the right home for this deal.

As with all cases, it is essential to speak with the right broker. Large Mortgage Loans has helped countless clients where seemingly no option was available. If you are looking to purchase or refinance an “unusual” property, we’re usually the right number to call.  To speak to an adviser, call 0207 519 4900 or email enquiries@Large Mortgage Loans.

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

Our insights

We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk. The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Largemortgageloans.com Ltd is a licensed credit broker, and not a lender.

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.

Make An Enquiry

London Office (Main):


London Office (Main):


Largemortgageloans is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London