You may have heard the term “non-traditional construction” but what does that actually mean?  This article will help you understand the definition of a non-traditional construction and why it is essential to consider the construction type when looking to buy a property.

What is the difference between a standard construction and non-traditional construction property?

Standard construction:- brick or stone walls with a slate or tiled roof

Non-traditional construction:-  concrete walls, timber framed, single skinned (including extensions), steel framed, pre-fab or modular, cob walls, glass etc.

Why Does Non-Traditional Construction Matter?

Understanding the type of construction used in a property is crucial because it can impact various aspects of homeownership, including:

1. Maintenance and Repairs: Non-traditional properties may require specialised maintenance and repairs that conventional homes do not, so may be more costly.
2. Insurance: Some insurers may have specific requirements or higher premiums for non-traditionally built homes.
3. Resale Value or marketability: The resale value and marketability of a non-traditional property may be affected, as some buyers may be deterred due to the construction type.
4. Mortgage Lending: Mortgage lenders have stricter criteria and may decline a non-traditional property or offer different mortgage terms.
5. Structural Integrity: Understanding the construction type helps assess the long-term structural integrity of the property.
6. Energy Efficiency:  The property may be less energy efficient which may restrict the letting of the property and it could be costly or prove problematic to improve the energy rating of the property due to its construction.

How Can Phillips Law Help?

If you are considering purchasing a property which has a non-traditional construction, it is vital that you arrange for an appropriate survey to be carried out before making a commitment to purchase the property.  You should then check with your preferred mortgage lender whether they would be prepared to secure a mortgage against the property.

Understanding non-traditional construction is vital when buying a property, as it can impact various aspects of your homeownership.

Remember, your dream home is within reach, but we want to ensure that you understand the implications and possible pitfalls of purchasing a property which may have a non-traditional construction.

The conveyancing team at Phillips have the knowledge and experience to guide you through the legal requirements specific to non-traditional construction properties.  Contact us today.

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