We are living in a rented house and the landlord has offered us the chance to buy it.
On our joint incomes we can easily afford a mortgage on it, but as it is a pre-fab we have been told that it may be difficult to get one.

Does anyone have any idea of which companys would do mortgages on a pre-fab house ?
I keep seeing loads of them for sale so someone must do them.

Any advice greatly appreciated.

What exactly IS a pre-fab house?

we can look into it for you & provide a list of providers.
there is usually no fee for this.
u can look yourself but every application/search via the web registers on your credit file. it is not a bad thing but some lenders get wary when there are lots of apps. on file.

pm your real name & number & our expert will ring u to chat on it. No pressure or obligation what so ever.

Originally posted by susa41981
What exactly IS a pre-fab house?

a prefrabricated house, generally constructed from large concrete sections. Lots of them built post WWII.

Surely most lenders will state somewhere whether they have any issues with lending for these types of houses.
Or indeed a phone call to them should be able to answer the question.

We are living in a rented house and the landlord has offered us the chance to buy it.
On our joint incomes we can easily afford a mortgage on it, but as it is a pre-fab we have been told that it may be difficult to get one.

Does anyone have any idea of which companys would do mortgages on a pre-fab house ?
I keep seeing loads of them for sale so someone must do them.

Any advice greatly appreciated.


I work for The guild of independent mortgage advisers. The advisers are all independent and provide a excellent service and best of all its free,
They search over 8500 mortgages from over 400 lenders
Take a look at the website ww.goima.co.uk
They have to ask questions but they are working for you.

I live on road with 6 prefabs and three have been purchased by the owner occuoiers under the right to buy and in order to get a mortgage all had to have new roof before getting a mortagage I dont really know why but you should check this out first because it is pricey

be careful sheffield council are pulling down prefabs on arbourthorne as they are beyond their useful life , and owner occupiers are being compulsory purchased.

We are living in a rented house and the landlord has offered us the chance to buy it.
On our joint incomes we can easily afford a mortgage on it, but as it is a pre-fab we have been told that it may be difficult to get one.

Does anyone have any idea of which companys would do mortgages on a pre-fab house ?
I keep seeing loads of them for sale so someone must do them.

Any advice greatly appreciated.

Well if you buy it on the cheap then put a brick skin on the house like many people i know have done you could end up a few grand better off because its then not classed as a pre-fab house its classed as bricks and mortar.:thumbsup:

I take it you mean a pre-fab house, and not a "pre-fab" as in one of those little bungalow things that have mostly been demolished? They did have issues with roofs, but most of the pre-fab houses Ive seen now have proper roofs. The ones I know of are generally in areas of previous mining activity: the coal board used to provide quite a few of these for rent. I have seen them in Killamarsh, Aston, Eckington, Renishaw and some parts of Rotherham. I even considered one myself when I lost my footing in the housing market, but was put off by the mortgage problem.

Let us know how you get on and if a mortgage is possible. It might solve other people's housing problems!

Try ringing Andy on 01142 966833, helped me out no end.

I think most of it has been covered but to add my penny's worth it does differ from lender to lender.

The exact type of construction will have a name ie Waites, Laing easy form etc are construction types that come under the bracket of " Non Traditional".

Lenders will have a list of yes and no's. If you can get the exact type of construction you can shop around.

If others in the area have got a mortgage pick there brains about the construction type and which lender they used etc.

Hope it may help a little :thumbsup:

Prefabrication is the practice of manufacturing the parts of an assembly in one location, ready for them to be assembled in another place.
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dont do it!!!!
those houses were built just after the war and were only suposed to be temporary for a maximum of 30 years. most of the others that are for sale are for cash only, meaning most companys will not give you a mortgage.
and you should have noticed the internal walls move. if you mark the wall when you decorate, the next time you take the paper off the wall will have moved. ours moved over a foot in 6years. seriously mate dont buy one of those houses

[QUOTE=Dj_Shadowman;610252]We are living in a rented house and the landlord has offered us the chance to buy it.
On our joint incomes we can easily afford a mortgage on it, but as it is a pre-fab we have been told that it may be difficult to get one.

Does anyone have any idea of which companys would do mortgages on a pre-fab house ?
I keep seeing loads of them for sale so someone must do them.

Any advice greatly appreciated.
Try the Guild of Independent Mortgae advisers
they search over 8500 mortgages from all lenders, If any one can help they can, also they dont charge a fee
website www{dot}goima{dot}co.uk
good luck

Yes, Many concrete houses were never designed to last as long as they have but with a bit of regular TLC they can be fine and remain structuraly sound.
The most important thing it to nevet let the steel reinforcing get damp and rust as this will make the house beyond economical repair.
Many people have either bricked up the outside skin or coated it with a resin based material. Traditional, cheap pebbledash, cement render and Tyrolean will offer no protection what so ever for the steel.

I work for a company that gives free surveys n free no obligation quotes to protect the steel and dramatically inprove the look of a property too (valid for 12 months) called Protectacoat. Been in business 28 years with hundreds of satisfied customers around sheffield.
If you're interested, send me a private message! Cheers.