• 4.22% MER rate for bisf houses
• £289 valuation fee for BISF House Mortgage
• No lenders fees for British iron and steel property
• No brokers 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 £290000 you can borrow £174000.

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 really 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. No way his bank would 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 his 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 got to 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 and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.

Mrs M from Birmingham

With no brokers fees and no lenders 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 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. I thought I was going to lose my house. Thanks to Concise I got equity release to pay off my mortgage.

Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

David P

With my power of attorney, I got 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 son who is not well paid.

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 to be born 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 what BISF construction means 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, which are 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 of the significant concerns with properties from this era, including some BISF homes, is the use of asbestos-containing materials. Given the health risks associated with asbestos, any renovation or repair work must be approached with caution, 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. Certain 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 the presence of 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 the presence of 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 a relative scarcity, can drive prices up.

Why Are Bungalows So Expensive?

Apart from demand and supply dynamics, bungalows often occupy larger plots of land compared to multi-storey homes, contributing to their 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 the purchasing process. These platforms can 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 the 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 the rates associated with them.

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 certainty in repayments. 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 rolls up and is repaid 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, they require the homeowner to 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 to make 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 cater specifically to those receiving pension incomes. 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, with the capital being 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 of the options, retirees can ensure they have a comfortable living while keeping their home.

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 or in retirement. As the landscape of retirement finance evolves, staying informed ensures sound financial decisions, enabling a secure and comfortable retirement.

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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

In the wake of World War II, the UK faced a severe housing shortage. To address this, the government turned to prefabricated homes, known as ‘prefabs’. Birmingham, being one of the major cities, saw a significant rise in these quick-to-assemble homes.

Benefits and Drawbacks

Prefabs were economical, efficient, and provided immediate solutions for many families. While they were initially considered temporary, many of these homes stood for decades, longer than intended. Over time, however, they began to face challenges in terms of 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 stands as a testament to the city’s resilience, innovation, and adaptability. This structure has not only survived the test of time but also 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 hub of communication, playing an essential role 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, and its houses stand as remnants of an era gone by. The Black Country House is symbolic of this region’s distinctive architectural style, influenced heavily 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 that 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 them 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 refer to as “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, with a focus on communal and family spaces. Moreover, the use of 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, providing a perfect balance between modern comforts and rustic charm.

In exploring the various architectural styles and housing trends across different decades, one can 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 them.

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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. From the 1950s steel framed houses, which were a novelty, to the advanced versions of the 1960s steel framed houses and today’s steel framed homes, there has been significant progress in design and utility.

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 of the significant challenges in the past was the problems with single skin houses. These structures lacked an inner and outer layer, leading to issues like 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 issues of thermal bridging, which affects insulation.

Steel vs. Timber Framed Houses

Benefits and Drawbacks

While steel framed houses offer strength, durability, and resistance to pests, timber frame houses UK problems, like susceptibility to pests and decay, make steel an attractive alternative. However, there’s the lingering question about timber frame houses: Do timber framed houses 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 cost 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

From the modern A frame house for sale to used steel framed buildings for sale, the UK market has seen varied demand. While some seek out steel homes for their durability and modern 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 age of the property, its structural integrity, and construction materials play a role. While steel-framed house mortgage has been a challenge in the past, lenders are becoming more open as the construction technique gains acceptance.

Checking If a Property is Mortgageable

For potential buyers, it’s crucial to check if property is mortgageable before making an investment. This can be done 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 that are resistant to corrosion to designs that incorporate better insulation, steel homes are becoming more versatile.

Steel Frame Building Cost Estimator UK

Tools and platforms are available that offer an estimated steel frame building price, helping potential homeowners or builders understand their financial commitments better.

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 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 there might be challenges with insulation 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.

In the vast realm of UK housing, steel frame houses have carved a niche for themselves. 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 a challenge, steel frame houses offer homeowners the ability to make alterations with ease. 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 the robust nature of steel, 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 stands out as one of the most recyclable materials in the construction industry. Old steel frames or components can be melted down and repurposed, thereby reducing the carbon footprint associated with building a new home.

Energy Efficiency

Modern steel framed houses are designed with energy efficiency in mind. With proper insulation, these homes can retain heat during colder months and remain cool during summer, leading to reduced energy consumption and utility bills.

Challenges and Solutions

Misconceptions about Steel Houses

Over the years, there have been many misconceptions surrounding steel houses, from questions like “what is the problem with steel framed homes?” to concerns about their aesthetic appeal. However, with advancements in design and construction techniques, many of these misconceptions are being debunked.

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 the advantages of steel, 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, the use of other metals, like aluminium and titanium, has been explored in construction. Metal frame houses, which encompass a broader range of materials, have evolved in design and functionality, offering homeowners diverse options to choose from.

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, coupled with 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.  No fines construction equity release is getting more and more popular.

BISF House Mortgage can be close to the same interest rates as other 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.

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• More to life Capital Choice Plus Plan for British Steel homes
• Nationwide Interest Only Lifetime Mortgage for complex floor beams homes

BISF House equity release

It is usual to encounter individuals looking for 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 to show your personal situation in the form of bank statements.

Retired business owners that 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 normal 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

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• 25% loan to value (LTV) monthly payment equity release Newcastle Building Society

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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 more aged you are and the 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 built after 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

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%.