
- 4.22% MER rate for bisf houses
- £289 valuation fee for BISF House Mortgage
- No lender fees for British iron and steel property
- There are no broker fees for non-traditional construction type houses
- Lender not available on the usual comparison sites
- All non-standard construction properties considered for mortgage and equity release
- Includes BISF construction house cladding property
- BISF House equity release
- Corrugated iron homes and asbestos
- Steel frame or Steel panels
- Large panel system property
Equity release loan to value?
You can borrow 60% of your property’s valuation. For example, if your home is worth £290,000 you can borrow £174,000.

Recently completed mortgage, equity release and lifetime mortgage cases

Ms T from Hammersmith
My husband recently died, leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair. I can now stay in my Corrugated iron property.

Ms G from Dover

I divorced my husband who was a violent alcoholic. I feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my BISF home.
Mr Williamson from Chiswick

My son is a chef in a care home. He is not well paid, and his bank would not lend him the money to buy a flat. My equity release enabled him to put a substantial deposit down, so his mortgage was very small. My equity release interest rate was close to the interest rate offered by his bank.
Mrs V from Hastings

I had spent my life running up credit cards and loans, then getting interest-only mortgages to pay off the debt. I reached retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release, and now I am more comfortable with no monthly repayments. I spent £20,000 on a new bathroom and kitchen. I now know I can stay at home.
Mrs M from Birmingham
With no broker or lender fees, I got an interest-only retirement mortgage, which I pay each month from my private pension. The money released went to my daughter for her wedding and a deposit for her next house. She wanted a family, and her flat was too small.

Mrs E from London

My mortgage needed to be repaid to the existing lender, and I thought I was going to lose my house. Thanks to Concise, I got an equity release to pay off my mortgage.
Julia A

My mother has dementia. With my solicitor and power of attorney, I got an equity release on my mother’s house to pay for specialist modifications for her comfort.
David P
With my power of attorney, I got an equity release on my father’s house to pay for disability provisions, including a lift and a new kitchen.

Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one poorly paid son.
Mrs Daly from Glasgow
My daughter lives in the States and does not have health insurance. My £30,000 lifetime mortgage paid the medical bills for her son’s birth and a year’s rent in advance for a new flat for the baby.

Mrs E from London
I was advised to get an equity release from my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.

Mrs G from Leeds
My daughter is a single mother, and I got a £120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.
Does Newbury Building Society have positive reviews for equity release?
Yes, Newbury Building Society reviews are superb for equity release.


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Understanding BISF Construction and its Implications in the UK
The UK’s housing market has a rich history that has seen various construction methods come and go. One such method that has raised many questions among buyers and mortgage lenders alike is BISF construction. This guide will delve deep into BISF construction and its implications for homeowners, particularly those considering equity release and lifetime mortgage products.
BISF: The Basics
What is BISF Construction?
BISF stands for British Iron and Steel Federation. Introduced after World War II, BISF houses were part of the country’s post-war rebuilding efforts. The goal was to produce homes quickly to address the housing shortage, resulting in a unique steel-framed construction method.
BISF House Characteristics
Distinctive in appearance, a typical BISF house is two-storeyed, with steel columns supporting the first floor and roof. The external walls are often a combination of render and metal sheeting or panels, evident in their exterior look.
Concerns and Considerations
BISF Houses Problems
Over the years, some concerns have arisen regarding the longevity and structural integrity of BISF homes. While many have stood the test of time, issues like corrosion of the steel frame, deterioration of the original cladding, or inadequate insulation can emerge.
Asbestos in Prefabricated Houses
One significant concern with properties from this era, including some BISF homes, is using asbestos-containing materials. Given the health risks associated with asbestos, any renovation or repair work must be cautiously approached, ensuring proper safety protocols.
Steel Framed Houses Problems UK
Apart from BISF homes, other steel-framed houses built in the 1950s have also faced scrutiny. Concerns often revolve around the potential for corrosion, especially if the protective coatings on the steel have been compromised.
Mortgageability and Insurance
Mortgageability Meaning
Mortgageability refers to whether a property is deemed suitable as security for a loan by mortgage lenders. Specific properties, like those of non-standard construction, including BISF homes, can sometimes be challenging to mortgage.
BISF House Insurance
Insuring BISF houses can be more challenging compared to traditionally constructed homes. The potential for structural issues and hazardous materials like asbestos can mean higher premiums or a more selective process by insurers.
Considerations for Potential Buyers
For those eyeing a BISF house for sale, it’s crucial to commission a thorough survey. This will identify any potential issues, from structural concerns to asbestos. Moreover, securing a mortgage or insurance for a BISF property can be trickier, necessitating discussions with specialist providers.
The Broader Housing Market
Are Bungalows More Expensive?
In the UK, bungalows often command a premium. Their single-storey layout is highly sought after, especially by older residents looking to downsize or avoid stairs. This demand, coupled with relative scarcity, can drive prices up.
Why Are Bungalows So Expensive?
Apart from demand and supply dynamics, bungalows often occupy larger plots of land than multi-storey homes, contributing to higher costs. Their popularity among an older demographic, who may be cash-rich from selling larger family homes, also fuels the price surge.
Houses Ready Now on Pinpoint Express
Platforms like Pinpoint Express showcase properties available for immediate sale, catering to buyers eager to expedite purchasing. These platforms sometimes feature BISF houses, but potential buyers should exercise due diligence.
Steel and Metal Houses: An Overview
Steel Houses and Metal Houses
Beyond BISF homes, the allure of steel and metal houses persists in the UK. Modern construction techniques have embraced these materials for their durability, flexibility, and sustainability. Unlike post-war steel homes, contemporary steel houses are designed to address earlier construction challenges, offering enhanced insulation and structural resilience.
Tin Houses UK
Though not as common, tin houses represent another facet of metal housing in the UK. They often evoke a sense of nostalgia, reminiscent of the tin tabernacles or corrugated iron chapels from yesteryears.
In summary, while BISF homes and other steel-constructed properties are steeped in history, potential homeowners or those seeking equity release products should be acutely aware of their intricacies. From understanding potential structural issues to navigating the maze of mortgageability and insurance, a well-informed approach can ensure a smooth homeownership journey.
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Understanding Equity Release Rates in the UK
Navigating the world of equity release can be complex, with rates and products changing based on market conditions and individual financial circumstances. This guide delves into the different types of equity release products and their associated rates.
Lifetime Mortgage Rates
What is a Lifetime Mortgage?
A lifetime mortgage is the most popular form of equity release in the UK. It allows homeowners, usually aged 55 and over, to release a tax-free lump sum from the value of their property while retaining the right to live in it.
Factors Influencing Lifetime Mortgage Rates
Several factors can influence the interest rates offered on lifetime mortgages:
- The age of the youngest homeowner
- The property’s value
- Current market conditions
- The equity release provider
Fixed vs Variable Rates
Like traditional mortgages, lifetime mortgages can have fixed or variable interest rates. Fixed rates mean the interest will not change over time, providing repayment certainty. In contrast, variable rates can fluctuate based on underlying benchmarks, such as the Bank of England Base Rate.
Interest Only Lifetime Mortgage Rates
How Does an Interest Only Lifetime Mortgage Work?
With an interest-only lifetime mortgage, homeowners release equity from their property but make regular interest payments, ensuring the loan amount remains unchanged. This contrasts with traditional lifetime mortgages, where the interest is paid once the property is sold.
Comparing Rates with Conventional Lifetime Mortgages
Interest rates on interest-only lifetime mortgages can sometimes be lower than roll-up products because the interest doesn’t compound. However, the homeowner must have a stable income source to cover regular interest payments.
Interest Only Retirement Mortgage Rates
Understanding Interest Only Retirement Mortgages
Interest-only retirement mortgages are designed for retirees who can afford monthly interest payments but might not meet standard mortgage criteria due to their age or reduced income.
Criteria and Rate Considerations
To qualify, lenders often require proof of income post-retirement. Rates for these products are influenced by:
- The applicant’s age
- Loan-to-value ratio
- Economic conditions
- The lender’s criteria and appetite for risk
Retirement Mortgage Rates
Distinguishing Retirement Mortgages
Retirement mortgages can either be interest-only or repayment, allowing homeowners to borrow money into retirement. They cater to older borrowers, some even past the age of 80.
Factors Influencing Retirement Mortgage Rates
The interest rates on retirement mortgages are typically influenced by:
- The borrower’s age
- The property’s value
- The amount borrowed relative to the property value
- Market conditions and the specific lender’s criteria
Pensioner Mortgage Rates
Pensioner Mortgages Explained
Pensioner mortgages are specifically for those receiving pension income. They provide a way for pensioners to access housing finance when they might not qualify for standard products.
Rate Determinants for Pensioner Mortgages
Lenders assess:
- The size of the pension
- Any other income sources
- The applicant’s age
- The requested loan-to-value ratio
All these can affect the rates offered on pensioner mortgages.
RIO Mortgage Rates
Defining RIO Mortgages
RIO, or Retirement Interest-Only mortgages, allow retirees to pay just the interest on the loan. The capital is repaid once the property is sold, usually after death or moving into long-term care.
Rates and Criteria for RIO Mortgages
RIO mortgages usually have competitive rates, but their eligibility criteria can be strict, requiring evidence of sustainable retirement income to cover the interest payments.
Release Equity and Retirement Interest Only Mortgages
Releasing Equity in Retirement
Equity release allows homeowners to access the wealth tied up in their property. With RIO mortgages being one option, retirees can ensure they have a comfortable life while keeping their homes.
Comparison with Other Equity Release Products
When considering RIO mortgages against other equity release products like lifetime mortgages, factors like interest rates, the homeowner’s age, loan-to-value ratios, and individual financial needs should be considered.
Understanding the various equity release products and their associated rates is crucial for homeowners, especially those approaching retirement. As the landscape of retirement finance evolves, staying informed ensures sound financial decisions, enabling a secure and comfortable retirement.
- Bath Building Society Equity Release Reviews
- lifetime mortgage for over 60s
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Exploring the Rich Architectural History: From Prefab Homes in Birmingham to Metal Houses
Prefab Homes Birmingham
The Rise of Prefab Homes
The UK faced a severe housing shortage after World War II. To address this, the government turned to prefabricated homes, known as ‘prefabs. ‘ Birmingham, one of the major cities, saw a significant rise in these quick-to-assemble homes.
Benefits and Drawbacks
Prefabs were economical and efficient and provided immediate solutions for many families. While initially considered temporary, many of these homes stood for decades, longer than intended. Over time, however, they began to face challenges regarding insulation, space, and modern housing standards.
Iron House Birmingham and the Iron Phenomenon
Iron House and Ironhouse Birmingham
Birmingham has a rich history of industrialisation, with iron playing a pivotal role. Some buildings, such as the Iron House or Ironhouse in Birmingham, bear witness to this legacy. They represent the city’s prowess in ironwork and its evolution over the years.
The Iron House Legacy
The Iron House is a testament to the city’s resilience, innovation, and adaptability. This structure has survived the test of time and transformed and adapted to changing urban landscapes and needs.
Post Office Dudley Port and Black Country Connections
Post Office Significance
The post office at Dudley Port was more than just a mailing facility. It was a communication hub, essential in keeping families and businesses connected. Over time, as communication means evolved, the importance of such places has shifted, but their legacy remains.
Black Country House and its Heritage
The term “Black Country” refers to the industrial heartland of England, where houses stand as remnants of an era gone by. The Black Country House symbolizes this region’s distinctive architectural style, which is heavily influenced by its industrial past.
Bimson House and the Evolution of 1940s House Styles UK
The Distinctive Bimson House
The Bimson House, with its unique architectural details, showcases some of the best aspects of UK housing from the 1940s. Characterised by its robust construction and functional design, it mirrors the British spirit of resilience and hope during challenging times.
1940s Houses UK: A Period Overview
The 1940s was a decade of rebuilding and recovery for the UK. Architecture from this period showcased a blend of traditional designs with emerging modern trends. The houses built during this time were practical, yet they exuded a charm and character many homeowners appreciate today.
Black Country Homes and Iron Houses: A Glimpse into the Past
Understanding Black Country Homes
Black Country homes are emblematic of an industrial era. Often built with bricks and featuring terraced structures, these homes were constructed for workers and their families, offering comfort and community closeness.
Iron Houses: A Bold Statement
Iron houses, made predominantly from iron, were an architectural experiment of their time. These houses were not only durable but also fire-resistant. Over the years, the iron has oxidised, giving these structures their characteristic black appearance, which some might even call “cast iron black”.
The 1960s Semi-Detached House and the Shift in Housing Trends
Spotlight on the 60s Houses
The 1960s brought about a significant shift in UK housing. Semi-detached houses became increasingly popular, offering space, comfort, and modern amenities. These homes, often with large windows and spacious gardens, catered to the burgeoning middle class’s aspirations.
1960s vs. 1940s Homes
While the 1940s was about rebuilding and making do, the 1960s was about aspiration and forward-thinking. The designs were more open, focusing on communal and family spaces. Moreover, newer materials and construction techniques made these houses stand apart from their predecessors.
Museum of Houses: A Journey Through Time
Preserving Architectural Legacies
The Museum of Houses, though a fictional concept, represents an idea where one can trace the architectural evolution of UK homes. From metal houses reminiscent of Birmingham’s industrial heritage to the country living property showcasing rural elegance, such a museum would be a treasure trove for history and architecture enthusiasts.
Country Living Property and Modern Aspirations
While cities like Birmingham have seen rapid urbanisation and industrial growth, there’s a growing trend of people seeking country living properties. These homes offer tranquillity, space, and a connection to nature, perfectly balancing modern comforts and rustic charm.
Exploring the various architectural styles and housing trends across different decades can help one appreciate the UK’s rich and diverse heritage. From prefab homes to iron houses, each structure tells a story of the people, the times, and the aspirations that shaped it.
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Understanding Steel Frame Houses in the UK
Evolution of Steel Framed Houses
From 1950s to Modern Times
Steel frame housing in the UK has seen an evolution. There has been significant progress in design and utility from the 1950s steel framed houses, a novelty, to the advanced versions of the 1960s steel framed houses and today’s steel framed homes.
A Frame Houses and Their Popularity
A frame house UK has been gaining popularity due to its unique design and the efficient use of space. The aesthetic appeal of the modern A frame house has made the A frame house for sale UK a popular choice for those looking for unique architectural designs.
Challenges Faced by Steel Framed Houses
Problems with Single Skin Houses
One significant challenge in the past was the problems with single-skin houses. These structures lacked an inner and outer layer, leading to poor insulation and susceptibility to environmental changes.
Mortgage Challenges for Steel Framed Properties
Potential homeowners have often faced challenges in securing a mortgage for steel frame house. Financial institutions, wary of the steel framed house mortgage risks due to concerns about longevity and durability, were hesitant. This prompted the question, “Can you get a mortgage on a timber frame house?” which is comparatively easier.
Steel Framed Houses Problems UK
There have been debates on the potential problems of steel framed houses in the UK. Concerns range from susceptibility to corrosion, especially in coastal regions, to thermal bridging issues, which affect insulation.
Steel vs. Timber Framed Houses
Benefits and Drawbacks
While steel-framed houses offer strength, durability, and resistance to pests, timber-framed houses have problems, like susceptibility to pests and decay, making steel an attractive alternative. However, there’s the lingering question about timber-framed houses: Do they hold their value? Many believe that they do, especially with proper maintenance.
Steel Frame House Construction and Cost Implications
Steel frame construction house projects tend to be faster than traditional builds. How much do steels cost? While the steel frame house in the UK might be higher upfront than timber, the long-term benefits like durability and low maintenance can offset the initial investment.
Market Availability and Popularity of Steel Structures
Buying and Selling Steel Frame Houses
The UK market has seen varied demand for everything from modern A-frame houses to used steel-framed buildings. While some seek out steel homes for their durability and contemporary design, others look for used steel-frame buildings for sale UK for their cost-effectiveness.
Metal Houses and Their Appeal
Beyond steel, metal houses, including those with aluminium and other alloys, have seen a rise in interest. These homes offer many of the benefits of steel houses, such as durability and resistance to pests.
Understanding Mortgageability
Mortgageability Meaning and Its Implications
Mortgageability refers to a property’s eligibility to be mortgaged. Factors like the property’s age, structural integrity, and construction materials play a role. While steel-framed house mortgages have been a challenge in the past, lenders are becoming more open as the construction technique gains acceptance.
Checking If a Property is Mortgageable
Potential buyers must check if the property is mortgageable before investing. They can do this by consulting with mortgage brokers or lenders who have experience with non-traditional property types.
Looking to the Future of Steel Frame Houses
Modern Advancements in Steel Frame Construction
Technological advancements have made steel frame construction more efficient. From steel frames resistant to corrosion to designs that incorporate better insulation, steel homes are becoming more versatile.
Steel Frame Building Cost Estimator UK
Tools and platforms offer an estimated steel frame building price, helping potential homeowners or builders better understand their financial commitments.
Steel Frame Houses: A Sustainable Choice?
Steel Frame’s Environmental Impact
Steel is recyclable, and with increasing concerns about sustainability, steel frame houses UK could be an eco-friendly choice. However, the environmental impact depends on the sourcing of the steel and the construction process.
Longevity of Steel Framed Houses
A frequently asked question is, “How long do houses last in the UK?” While traditional brick-and-mortar houses have a known longevity, steel frame houses, when maintained well, can also last for generations.
Steel Frame Houses vs. Traditional Houses
Pros and Cons of Steel
Steel houses offer strength, durability, and modern aesthetics. They’re resistant to pests and can withstand extreme weather conditions. However, they can be more expensive than traditional houses, and insulation might be challenging if not designed correctly.
Why Bungalows Might be a Different Investment
Bungalows, a popular UK house type, offer a different kind of charm. But there’s a recurring question: Are bungalows hard to sell? While they might cater to a specific demographic, their single-storey design is sought after by many, especially those who seek a home without stairs.
Steel frame houses have carved a niche in the vast realm of UK housing. Their unique combination of strength, durability, and modern design has made them a favourite among those looking for non-traditional homes. While there have been challenges, especially in the realm of mortgages and insulation, advancements in technology and construction techniques are paving the way for these houses to become mainstream. Whether you’re drawn to the sleek lines of an A-frame house or the robust strength of a steel construction, understanding the nuances of steel-frame housing is crucial for potential homeowners.
The Resurgence of Steel Frame Houses in Modern Architecture
Architectural Styles and Steel Integration
As architectural designs evolve with time, the integration of steel has given architects more freedom to create unconventional and sleek designs. The steel framework provides flexibility, allowing for open floor plans, larger windows, and innovative structural designs that wouldn’t be feasible with traditional brick and mortar.
Customisation in Steel Houses
One of the appealing factors of steel houses is their potential for customisation. Unlike traditional homes where modifications can be challenging, steel frame houses offer homeowners the ability to make alterations easily. This adaptability ensures that the homes can evolve with the homeowner’s changing needs.
Cost-Effectiveness and Long-term Investment
Initial Cost vs. Long-term Savings
While the initial costs associated with steel frame house construction might be higher than traditional homes, the long-term savings can be significant. Steel homes generally require less maintenance, are resistant to termites, and can have longer lifespans, making them a valuable long-term investment.
Insurance and Steel Framed Homes
Given steel’s robust nature, many insurance providers may offer lower premiums for steel-framed homes due to their increased resistance to natural disasters and pests. This reduction in insurance costs can contribute to long-term savings for homeowners.
Environmental Benefits and Sustainability
Recyclability of Steel
Steel is one of the most recyclable materials in the construction industry. Old steel frames or components can be melted down and repurposed, reducing the carbon footprint associated with building a new home.
Energy Efficiency
Modern steel-framed houses are designed with energy efficiency in mind. Proper insulation allows these homes to retain heat during colder months and remain cool during summer, reducing energy consumption and utility bills.
Challenges and Solutions
Misconceptions about Steel Houses
Over the years, many misconceptions have existed about steel houses, from questions like “What is the problem with steel-framed homes?” to concerns about their aesthetic appeal. However, advancements in design and construction techniques are debunking many of these misconceptions.
Future of Steel Frame Construction
Given the benefits and the increasing demand for sustainable housing options, steel frame construction’s future looks promising. As more architects, builders, and homeowners recognise steel’s advantages, we’ll likely see a rise in its adoption across the UK housing market.
Exploring Various Steel Construction Options
From A-Frame to Portal Frame Buildings
The versatility of steel has led to the development of various construction styles. While the A-frame house is celebrated for its distinctive peak and open interiors, portal-frame buildings offer large, uninterrupted spaces, making them suitable for commercial or industrial uses.
Metal Frame Houses and Their Evolution
Beyond steel, other metals, like aluminium and titanium, have been explored in construction. Metal frame houses encompass a broader range of materials and have evolved in design and functionality, offering homeowners diverse options.
In summary, steel frame houses in the UK present a compelling option for those seeking durability, modern design, and sustainability. While challenges exist, the benefits far outweigh the drawbacks. As more individuals understand the advantages of steel construction, its potential for customisation and its environmental benefits, it’s evident that steel frame houses will continue to grow in popularity. Whether you’re considering a minimalist A-frame home or a grand steel structure, the world of steel housing offers something for every discerning homeowner.
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The lender will want to know if the property is a semi-detached freehold house or a leasehold flat and if the resident is an owner-occupier primary residence. Many lenders will accept no-fines construction under certain circumstances, and no-fines construction equity release is becoming increasingly popular.
BISF House Mortgage can be close to the same interest rates as regular house mortgages.
What are the current Newbury Building Society rates for equity release?
Newbury Building Society rates for equity release are 1.87% APRC.

Tough-to-finance property variants include high service charges, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), some properties with sitting tenants or regulated tenancies, timber buildings and concrete frame.



- Bisf Equity Release
- British Iron and Steel Federation steel frame property mortgages with bad credit history
- Hodge Lifetime Mortgage Plus first-floor steel federation bisf properties
- Liverpool Victoria LV Equity Release Schemes bisf homes
- Age Partnership Equity Release Schemes for profile metal sheets homes
- Canada Life Voluntary Select Gold Flexi and other Building Societies
- L&G Legal & General Flexible Max Scheme for custom insulation solutions homes
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- Lloyds Bank Lifetime Mortgage
- Saga Lifetime Mortgage for steel producer’s property titles
- Aviva Lifetime Mortgages brick cladding property
- Lloyds Bank Equity Release Plans for UK Housing Program Homes
- Aviva Lifestyle Flexible Option for timber weatherboarding detached property
- More to life Capital Choice Plus Plan for British Steel homes
- Nationwide Interest Only Lifetime Mortgage for complex floor beam homes
BISF House equity release
It is usual to encounter individuals looking for a BISF House equity release, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release. However, Key Solutions like Old Mutual Wealth are keen to see paperwork in the form of bank statements to show your situation.
Retired business owners who may be interested in lifetime mortgages
- Non-scheduled passenger air transport Bromley
- Other activities of employment placement agencies Helmsley
- Activities of investment trust Looe
- Liquid milk and cream production Cramlington
- Manufacture of electronic industrial process control equipment Totton and Eling
- Manufacture of electric motors, generators, and transformers Leigh-on-Sea
- Manufacture of steam generators, except central heating hot water boilers Wellingborough
- Wholesale of audio tapes, records, CDs and videotapes, and the equipment on which these are played Pateley Bridge
- Activities of other membership organizations n e c Kenilworth
- Manufacture of paper and paperboard Whitby
- Manufacture of bearings, gears, gearing, and driving elements Carnforth
- Repair of watches, clocks and jewellery Stroud
- Manufacture of irradiation, electromedical and electrotherapeutic equipment Hitchin
- Manufacture of veneer sheets and wood-based panels Kettering
- Compulsory social security activities Worthing
- Marine fishing Woking
- Gambling and betting activities Aylsham
- Agents involved in the sale of textiles, clothing, fur, footwear, and leather goods Wiveliscombe
- BISF Steel frame
Tough-to-finance home titles can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties with a single annexe or other self-contained part of the property, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that are being used for personal, commercial use.
Properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.
Does Newbury Building Society offer Equity Release?
Yes, Newbury Building Society Equity Release is 2.2% APR.
Equity Release LTV BISF Steel frame
- 50% lumpsum lifetime mortgages The Exeter Equity Release
- 35% loan to value interest-only lifetime mortgages More to Life
- 25% loan to value (LTV) monthly payment equity release Newcastle Building Society
Legal and General Equity Release
Difficult-to-mortgage property variants include Timber-framed properties constructed post-1965, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, properties constructed or converted within the past 10 years, coach houses, i.e. freehold properties with garages beneath, and properties where the flat is accessed via a deck or balcony.
Equity Release Mortgage Under 55
Does Newbury Building Society offer Pensioner Mortgages?
Yes, Newbury Building Society Pensioner Mortgages are 2.26% APRC.

Hard-to-mortgage property variants can include homes requiring essential repairs, entirely tenanted properties, right to buy – properties in England, Wales and Northern Ireland, crofted houses and properties with owned solar panels.

Some of the most common LTV percentages of Aviva over 60 mortgages, Shepherds Friendly mortgages over 65, Leeds Building Society retirement interest only mortgages over 75, Coventry Building Society mortgages for 60 plus, West Bromwich Building Society remortgages for people over 50 years old and National Counties Building Society retirement mortgages over 60 are 50%, 60% and 65%.

Equity Release steel framed houses mortgage LTV- BISF House Mortgage
The older and sicker you are, the more money you can release.
Does Newbury Building Society do Retirement Mortgages?
Yes, Newbury Building Society Retirement Mortgages are 2.3% APRC.
Pitfalls of Equity Release Plans – BISF House Mortgage
Interest-only lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay a legal fee, and you could be exposed to changes in interest rates with some products for bisf construction lending.
Typical loan-to-value percentage ratios of LV= mortgages for over 50-year-olds, More to life later life mortgages for over 60s, OneFamily interest only mortgages for over 70s, YBS retirement mortgages over 65, Metro Bank remortgages for people over 50 years old and SunLife interest only mortgages for people over 70 are 35%, 60% and 70%.
Towns of the UK where BISF House Mortgages are popular
- Leyton
- Southend-on-Sea
- Newton Abbot
- Winchelsea
- Crewe
- Ledbury
- Barton-upon-Humber
- Cheshunt
- Whitworth
- Bridlington
- Thatcham
- Northleach with Eastington
- Strood
- Quedgeley
Lenders for Equity Release Corrugated iron property – BISF House Mortgage
- More to life
- LV lifetime mortgage
- Aviva bisf construction
Typical loan-to-value percentage ratios of Lloyds Bank later life mortgages for over 70s, Barclays equity release schemes for over 55’s, Halifax over 60 lifetime mortgages no fees, Legal and General interest only lifetime mortgages for over 60s, Royal Bank of Scotland later life interest-only mortgages over 75 and Nationwide remortgages for people over 50 years old are 35%, 55% and 70%.
Small kitchen/bathroom extensions of single skin brick blockwork – bisf construction•
Does Newbury Building Society do Equity Release Under 55?
Yes, Newbury Building Society Equity Release Under 55 is 1.99% MER.
Concrete or steel frame-blocks of flats were built after the 1980 BISF House equity release. Bisf houses are usually priced about 30% lower per square foot than a conventional construction house.
Solid brick, stone or concrete block–minimum thickness 225mm•Cavity brick, stone or concrete block – minimum thickness 275mm•
Bisf construction mortgage options
If you can’t mortgage your non-standard property home, you could consider the Concise BISF cash buyer service.
Timber frame wall with a cavity and outer wall of brick built after 1965 – minimum thickness 275mm (All widths exclude finishes)
Cob walls
Walls built entirely out of timber
Single-skin brick/blockwork
Concrete frame/panels
Steel frame/panels
Pre-cast reinforced concrete (PRC)
Poured concrete – bisf construction
corrugated iron sheet houses
In-situ cast concrete•
No fines•
Large panel system simple corrugated iron houses
Steel frame properties
modern corrugated iron houses
corrugated iron sheet houses
Non-Standard Property Home Index
Cob walls•Walls built entirely out of timber•Single skin brick/blockwork•Concrete frame/panels•Steel frame/panels
Small kitchen/bathroom extensions of single skin brick blockwork • Concrete or steel frame blocks of flats built after 1980
Solid brick, stone or concrete block–minimum thickness 225mm • Cavity brick, stone or concrete block – minimum thickness 275mm•Timber frame wall with a cavity and outer wall of brick built after1965 – minimum thickness 275mm (All widths exclude finishes)
Appealing retirement loan offerings are TSB equity release plans, Barclays Bank mortgages for people over 50, NatWest interest-only mortgages for people over 60, L&G equity release schemes and Nationwide pensioner mortgages over 70s.
Does Newbury Building Society offer Lifetime Mortgages?
Yes, Newbury Building Society does lifetime mortgages at 2% APR. Newbury Building Society Lifetime Mortgages can have an LTV of 75%.
Exploring British Iron and Steel Federation (BISF) Houses
BISF houses, constructed under the British Iron and Steel Federation, represent a significant chapter in the history of post-war British housing. These properties, primarily built between 1946 and 1948, were designed to address the housing shortage. However, due to their unique steel-frame construction, they are often categorised as non-standard construction, making their resale and mortgage process more complex. If you own a BISF house and are looking to sell your BISF property, there are specialised services available to support you in navigating the nuances of non-standard construction homes.
The Challenges of Selling Non-Standard Construction Homes
One of the primary issues homeowners face with BISF houses is the limited interest from mortgage lenders. Buyers may encounter hurdles with finance, notably if the property lacks modifications or additional cladding. For those with single-skin brick extensions or alterations, these characteristics can add further layers of complexity. If you are in the position of wanting to sell a single-skin brick house, it’s beneficial to connect with experts familiar with non-standard property sales.
Alternative Non-Standard Properties in the UK
In addition to BISF houses, other property types with non-standard construction present similar challenges in the property market. For instance, many shared ownership flats without an EWS1 form or short leases require tailored services for buyers and sellers alike. Such flats may involve lease agreements or complex ownership terms that impact mortgage eligibility and saleability. If you own a flat with a short lease, it’s essential to understand how these factors might affect potential buyers.
Factors Affecting Property Values and Buyer Interest
Location-based challenges, like proximity to major infrastructure, also affect property value. Homes located near power stations or substations, for example, often attract niche buyers, as these areas can be viewed with hesitation. To reach the right market, if you’re selling a house near a substation, consulting with experts can ensure visibility among prospective buyers willing to overlook such environmental factors.
Considerations for Other Non-Standard Construction Homes
Non-standard construction extends to timber-frame houses and flats situated above commercial properties. These types are often considered higher risk, making specialised selling services particularly valuable. For instance, selling flats above shops may necessitate a different approach than typical residential sales, as lenders may be more cautious in offering mortgages for these properties.
Specialist Support for Non-Standard Construction Sales
For those navigating the complexities of selling these unique property types, specialist property buying services for concrete houses or BISF homes can streamline the process. These services allow homeowners to directly reach interested buyers, mitigating some of the challenges associated with non-standard properties and helping secure a competitive market price.
Last updated: January 24, 2025 at 5:46 pm
Updated: 16 day(s) ago
Today's date: February 9, 2025
Remaining days in the month: 19 day(s)
Property Metric | Value |
---|---|
Equity Release Over 55 | 4.34% |
Retirement Interest Only Mortgage (RIO) Income Required | 4.16% |
Interest Only Lifetime Mortgages | 4.26% |
Standard UK Residential Mortgage 2 Year Fixed | 4.07% |
Standard UK Residential Mortgage 5 Year Fixed | 3.94% |
Adverse Credit UK Residential Mortgage 2 Year Fixed | 4.79% |
Adverse Credit UK Residential Mortgage 5 Year Fixed | 4.65% |
Homeowner Loans | 6.29% |
Bad Credit Secured Loans | 9.4% |
Prime Car Finance | 4.31% |
Bad Credit Car Finance | 7.32% |
Average Number of Days for a House Sale to Complete | 74 |
Average UK House Price | £290300 |
Average UK House Price Per Square Foot | £263.91 |