Got a question about mortgage valuations, freehold, leases or unusual property purchases?

When it comes to applying for a mortgage, these are all the things that need to be considered:

Mortgage Valuations

Your lender will arrange for a qualified surveyor to inspect the property you’re looking to buy and check its value. As well as make sure that it’s a property they’ll lend against.

Freehold and Leasehold

It’s important to note that when you purchase a property, you don’t always own the land it’s built on. Whether you buy a freehold or leasehold determines whether you own the land and what charges you’ll have to pay.

For more information about freehold and leasehold, read our buying the freehold: what do I need to know? blog.

Unusual Property

Non-traditional construction covers various types of homes, ranging from glass to concrete to timber-frame. Depending on the type of building you're buying, getting a mortgage may not be straightforward as lenders may worry about structural integrity of the property and the risk of future problems.

Our team of mortgage experts have compiled a list of the most frequently asked about mortgage valuations, freehold, leases or unusual property purchases. You can also ask your own question and our experts will come back to you with an answer.