concrete construction
- properties built using high alumina cement construction (mainly in the 1960s) especially low cost high rise blocks. They are considered especially prone to decay and likely to be un-mortgageable.
standard construction
- constructed of brick with a tile or slate roof. Lenders may be less inclined to provide funds on properties of non-standard construction. However, the definition is generally accepted to extend to the main mass-building techniques that have not subsequently been found to have greater potential for defects.
thatched roof
- Insurers will normally impose special terms for fire insurance on thatched properties. It is advisable to check that full fire cover is available with an insurer acceptable to the lender before proceeding.
timber framed
- method of house construction. Timber framed properties have traditionally suffered from poor damp-proofing and this restricts the number of lenders willing to accept them as security. Modern building techniques have largely removed these difficulties and properties constructed since about 1980 should be acceptable security to most lenders.
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