Types of Houses
Randeep Sodhi, one of our expert mortgage advisers, explains everything you need to know about the different types of house in the UK.
0:41 – Detached Houses
0:58 – Semi-Detached Houses
1:16 – Terraced Houses
1:34 – End of Terrace Houses
1:55 – Flats
2:17 – Cottages
2:36 – Bungalow
2:53 – Does Your Property Type Affect Your Mortgage?
3:12 – Do I Need to Get Insurance?
3:26 – What Type of Building Insurance Do I Need?
3:43 – What About Contents Insurance?
4:04 – Summary
What are the different types of houses in the UK? An exciting house hunting machine can quickly become a hot mess if you don’t know much about what type of house is you looking for. We’ve gone through the main types in this guide, so you can get off to a smoother start.
In the UK we have quite a few different types of houses, many people have heard the names but can’t tell which one is which. If you’re not sure, then keep watching.
- Detached house
A detached house never shares a wall with any neighbouring homes, detached house are highly sought after and they’re usually more expensive than other houses, because they can be quite large and offer more privacy to residence.
- Semi-detached house
A semi-detached house normally come in pairs by two houses joined together by a single wall, the other walls remain separate from any neighbouring property. Semi-detached houses are generally less expensive than most detached ones.
- Terraced houses
Terraced houses typically come in rows and each house’s structure is the same. A terraced house is one of the houses in these rows that’s sandwiched between two other houses, this means that every room in your house will immediately adjoin your neighbours’ properties.
- End of Terrace Houses
End of terrace houses as the name suggests an end of terrace houses are at the end of the row of terrace houses and shares a common wall with neighbouring house, and only one side, and the other house is detached. They are classed differently than a semi-detached because they’re attached to terraced houses specifically.
Flats typically occupies a single storey within a larger building and can take part, or all, of a floor. Flats are one of the most common type of residential project in the UK and vary greatly in price depending on their size and areas. In some high valley areas, they can cost more than houses.
Cottages typically have small walls, small windows, low ceilings, structural pillars and thatched rooves. They’re around one and a half storeys tall and have 2 floors, with the top floor usually smaller than the ground floor. Cottages can be detached or terraced and tend to be found in rural areas.
A bungalow has generally only one floor that can be detached or semi-detached. The fact that bungalows are only one floor can actually make them more expensive because they can take up land from the same square foot area as a house with 2 floors.
- Does your property type affect your mortgage?
The kind of mortgage you need whether it’s the fixed-rate, tracker, repayment or interest-only, won’t vary depending on the type of house you purchase. The type of mortgage you should choose instead depends on your financial circumstances and the purpose of the property you want to buy.
- Do I need to get insurance?
Everyone needs building insurance. It doesn’t matter whether you buy a small flat or a seven-bedroom house. If you’re purchasing a property with a mortgage, then your lender will require that you have building insurance.
- What type of building insurance do I need?
The ins and out of your insurance will vary depending on what you need and what you’re able to pay as well as the type of property you buy for example a thatched roof cottage it’s likely to require special insurance because of the increased fire risk.
- What about contents insurance?
It’s also important that you insure the contents of your property. Contents insurance isn’t compulsory, but it helps you protect the belongings that fill your home. Our protection team can help find you bespoke insurance deals and make sure that your insurance is set up alongside your mortgage application.
That was our guide on type of houses in the UK. Thank you so much for checking out our video.
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