What is Non Standard Construction

Non-standard construction refers to homes built using alternative materials or methods that deviate from traditional brick and mortar structures with slate or tiled roofs.

These unique properties comprise roughly 10% of the UK housing stock, offering diverse architectural styles and construction techniques.

Non-standard homes can present challenges in terms of maintenance, insurance, and mortgage availability, often requiring specialist knowledge and advice.

Despite these potential hurdles, many homeowners are drawn to non-standard properties for their distinctive character, sustainability features, and innovative design elements.

Common examples of non-standard construction include timber-framed houses, steel-framed buildings, concrete prefabs, and eco-homes built with natural materials.

As the housing market evolves, understanding the implications of non-standard construction becomes increasingly important for buyers, sellers, and property professionals alike.

Understanding Non-Standard Construction

Non-standard construction refers to buildings made with materials or techniques that deviate from traditional brick and tile methods.

These unique structures challenge conventional norms and often require specialised knowledge for maintenance and insurance.

Definition and Characteristics

Non-standard construction encompasses any building that doesn’t use typical brick or stone walls with slate or tile roofing. These properties are built using alternative materials or methods that fall outside standard building practices.

Key characteristics include:

• Unconventional materials (e.g. concrete, timber, steel)
• Unique structural designs
• Non-traditional foundations
• Prefabricated or modular components

Such properties may require specialised surveys and can face challenges with mortgage approval and insurance coverage due to their atypical nature.

Types and Examples

Non-standard construction comes in various forms:

1. Timber-framed houses
2. Steel-framed buildings
3. Concrete panel systems (e.g. Wimpey No-Fines)
4. Cob houses (made from subsoil, clay, and straw)
5. Clunch buildings (using limestone rock)

Modern examples include shipping container homes and eco-friendly structures using recycled materials. Some historical types, like thatched cottages, also fall into this category despite their traditional roots.

Historical Context and Prevalence

Non-standard construction gained prominence in the UK after World War II due to housing shortages. The government encouraged quick-build methods using prefabricated parts and alternative materials.

Many of these homes were intended as temporary solutions but remain in use today. In some areas, non-standard properties make up a significant portion of the housing stock.

Current estimates suggest:

• 5-10% of UK homes are of non-standard construction
• Higher concentrations in post-war developments
• Increasing interest in eco-friendly and innovative designs

These properties continue to shape the UK’s architectural landscape, offering unique challenges and opportunities for homeowners and professionals alike.

Identifying Non-Standard Construction Properties

Non-standard construction homes can be identified through visual cues and expert assessment. Spotting these unique properties requires attention to detail and knowledge of alternative building methods.

Visual Inspection Clues

Non-standard homes often have distinct exterior features. Look for walls made of materials other than brick or stone, such as timber, metal panels, or concrete.

Roofs may use unconventional materials like fibreglass or rubber instead of traditional tiles or slate.

Unusual shapes or designs can also indicate non-standard construction. Flat roofs, curved walls, or modular structures might suggest alternative building methods.

Pay attention to the overall structure and layout, as non-standard homes may have atypical floor plans or room arrangements.

Window placement and style can provide clues. Large, floor-to-ceiling windows or uniquely shaped openings may indicate non-traditional construction techniques.

Professional Assessment Methods

Surveyors and structural engineers use specialised techniques to identify non-standard construction. They employ tools like thermal imaging cameras to detect insulation issues common in some non-standard builds.

Experts analyse building plans and documentation to determine construction methods and materials used. They may also conduct invasive inspections, such as removing small sections of wall coverings to examine the underlying structure.

Professionals assess the property’s age and compare it to local building trends. They consider the historical context, as certain non-standard methods were popular during specific time periods or in particular regions.

Specialists may use ultrasonic testing to evaluate the thickness and composition of walls and other structural elements, providing insight into the building’s construction type.

Purchasing Considerations

Buying a non-standard construction home requires careful evaluation of unique factors. These properties present distinct benefits and challenges, necessitate thorough inspections, and have specific insurance implications.

Benefits and Challenges

Non-standard construction homes often boast unique architectural features and designs. They may offer more affordable options in certain areas or provide specialised living spaces.

However, these properties can be harder to sell and may take longer to find buyers.

Some lenders are hesitant to provide mortgages for non-standard homes, potentially limiting financing options. Future renovations or repairs might be more complex and costly due to unconventional materials or construction methods.

Resale value can be a concern, as the pool of potential buyers may be smaller compared to traditional homes. It’s crucial to consider long-term plans and market trends before committing to a non-standard property purchase.

Inspections and Surveys

A detailed building survey is essential when considering a non-standard construction house. Standard homebuyer reports may not suffice for these unique properties.

Specialist surveyors with experience in non-standard construction should be engaged. They can identify potential issues related to structural integrity, insulation, and maintenance requirements.

The survey should assess:

• Structural stability
• Presence of hazardous materials (e.g., asbestos)
• Energy efficiency
• Compliance with building regulations

Buyers should be prepared for potentially higher survey costs due to the specialised nature of the inspection.

Insurance Implications

Insuring a non-standard construction home can be more challenging and expensive than traditional properties. Some insurers may be reluctant to provide cover, or may charge higher premiums.

Factors affecting insurance include:

• Materials used in construction
• Fire resistance
• Structural stability
• Susceptibility to weather damage

It’s advisable to seek quotes from specialist insurers who understand non-standard properties. Buyers should factor in potentially higher insurance costs when budgeting for their purchase.

Some insurers may require additional safety measures or regular inspections as conditions of cover. It’s important to disclose all relevant information about the property’s construction to avoid invalidating the policy.

Mortgage and Financial Aspects

Obtaining a mortgage for non-standard construction properties presents unique challenges and considerations. Lenders often view these homes as higher risk, impacting availability and terms.

Mortgage Availability

Non-standard construction mortgages are less common than traditional home loans. Many high street banks and building societies are hesitant to lend on these properties. This limited availability can make securing financing more difficult for buyers.

Some lenders may only offer mortgages on specific types of non-standard constructions. For example, a lender might approve loans for timber-framed houses but not for concrete structures.

The property’s age, condition, and materials used all factor into a lender’s decision.

Buyers should expect to face stricter lending criteria and potentially higher interest rates. Lenders may also require larger deposits, often 15-25% of the property value, compared to 5-10% for standard constructions.

Mortgage Application Tips

When applying for a non-standard construction mortgage, thorough preparation is crucial. Gather detailed information about the property’s construction method, materials used, and any relevant certifications or guarantees.

Obtain a specialist survey to assess the property’s condition and highlight any potential issues. This can help address lender concerns and strengthen your application.

Be prepared to explain why you’re interested in the property and demonstrate your understanding of its unique characteristics. This shows the lender you’re making an informed decision.

Consider working with a mortgage broker experienced in non-standard constructions. They can access a wider range of lenders and products tailored to your specific needs.

Specialist Lenders and Loan Products

Several specialist lenders focus on non-standard construction mortgages. These lenders have a better understanding of the risks and benefits associated with these properties.

Some offer bespoke loan products designed for specific non-standard construction types. For instance, thatched cottage mortgages or loans for eco-homes built using sustainable materials.

Self-build mortgages can be an option for those constructing their own non-standard property. These loans release funds in stages as the build progresses, rather than in a lump sum.

Bridging loans may be suitable for short-term financing while waiting for a standard mortgage or if the property requires significant renovations to meet lender criteria.

Renovation and Maintenance

Non-standard construction homes require specialised care and attention. Renovating and maintaining these unique properties involves careful planning and expert knowledge to preserve their structural integrity and value.

Upgrading Non-Standard Properties

Upgrading non-standard homes presents distinct challenges. Owners must carefully consider material compatibility and structural limitations.

For timber-framed houses, extensions should use similar wood types to maintain consistency. Steel-framed structures may need specialised welding techniques for modifications.

When replacing windows or doors, custom sizes are often necessary to fit non-standard openings. Insulation upgrades require thoughtful approaches to avoid moisture issues, particularly in concrete panel homes.

Professional advice is crucial before undertaking major renovations. Experts can assess the property’s unique construction and recommend suitable materials and methods.

Long-term Care and Upkeep

Regular maintenance is vital for non-standard homes. Timber-framed houses need periodic treatment against rot and pests. This may involve applying protective coatings every few years and inspecting for signs of decay.

Steel-framed buildings require checks for corrosion, especially in coastal areas. Painting with rust-resistant coatings helps protect the structure. Concrete panel homes benefit from regular inspections of joint seals to prevent water ingress.

Roofing materials in non-standard homes often need more frequent attention. Flat roofs, common in some designs, require regular checks for pooling water and membrane damage.

Owners should create a tailored maintenance schedule based on their home’s specific construction type. This proactive approach helps prevent costly repairs and preserves the property’s value.