Will a flat roof affect my mortgage rate?

Not usually. If the lender accepts the property, the rate is typically the same as for a standard property. The key is finding the right lender in the first place, which is where we help.

Do I need a flat roof survey for a mortgage?

Most lenders will have the property surveyed as standard. If the surveyor flags concerns about the flat roof, you may need a specialist flat roof inspection. This is typically inexpensive and can resolve lender concerns.

Can I remortgage a flat roof property?

Yes, the same principles apply. We'll find a lender comfortable with your roof type and get you the best available rate.

Is a flat roof property a good investment?

Flat roof properties can offer excellent value as they're often priced lower than pitched-roof equivalents. With proper maintenance, a modern flat roof can last 20-30 years. They can be a smart buy, particularly for first-time buyers.

Flat Roof Mortgages

Many lenders are cautious about flat roof properties, but plenty will lend. We know exactly which ones and can get you the best rate.

Can You Get a Mortgage on a Property With a Flat Roof?

Yes, but it depends on the extent of the flat roof and its condition. Some lenders decline any property where more than 50% of the roof is flat, while others are happy to lend regardless. The key factors are the proportion of flat roof, its material and condition, and whether it's been properly maintained. We compare 90+ lenders to find the right match for your property.

Lenders who accept properties with 100% flat roofs
Expert knowledge of flat roof lending criteria
Properties with both partial and full flat roofs considered
100% fee-free mortgage advice
Extensions and garage flat roofs assessed individually

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How Much Flat Roof Is Too Much?

Lenders typically categorise flat roofs by percentage coverage. Many high-street lenders accept up to 25-30% flat roof (common with extensions or garages). Some accept up to 50%, and specialist lenders will consider properties that are 100% flat roof. The condition and material matter too — modern fibreglass or rubber flat roofs are viewed more favourably than older felt coverings.

Flat Roof Property Surveys

Lenders will usually require a surveyor's report on the flat roof's condition. If the surveyor flags issues like ponding, cracking, or inadequate drainage, the lender may require repairs before completing. Having a recent flat roof inspection or guarantee can strengthen your application significantly.

Flat Roof Extensions

If only a small extension or garage has a flat roof, most mainstream lenders won't have an issue. Problems tend to arise when the main dwelling has a flat roof. We can quickly identify which lenders match your specific property configuration.

Insurance Considerations

Buildings insurance on flat roof properties can be more expensive, and some insurers charge a premium or add exclusions. Lenders require adequate buildings insurance, so it's worth arranging this early. We can also help with insurance advice through our protection team.