Can I get a standard mortgage on a timber frame house?

Modern timber frame homes with structural warranties are accepted by most lenders. Older or unconventional timber buildings may need a specialist lender, which we can arrange.

Are timber frame mortgages more expensive?

Not necessarily. Modern timber frame homes can attract the same rates as brick-built properties. Older or unusual timber buildings may see slightly higher rates from specialist lenders.

Do I need a specialist survey?

For older timber frame properties, yes. A structural survey will assess the condition of the timbers, check for rot, woodworm, and ensure the building is structurally sound.

Timber Frame Mortgages

Timber-framed properties — from modern kit homes to historic oak-framed buildings — need a lender who understands non-standard construction. We'll match you with the right one.

Getting a Mortgage on a Timber Frame Property

Timber frame construction is increasingly popular in the UK, particularly for new-build and eco-friendly homes. However, older timber-framed properties and unconventional wooden buildings can be harder to mortgage. The key factors lenders consider are the property's age, condition, whether it has a structural warranty, and the fire risk assessment.

Modern timber frame homes widely accepted by lenders
Specialist options for older oak-frame & period properties
Log cabins and park homes also considered
100% fee-free mortgage advice
Both residential and buy-to-let options available

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Annual Household Income (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Modern vs Historic Timber Frames

Modern timber-framed homes built by reputable developers (e.g. with NHBC or similar warranties) are accepted by most mainstream lenders. Older timber-framed properties — particularly those without brick cladding or with evidence of decay — may require a specialist lender and a full structural survey.

Oak Frame & Period Properties

Oak-framed homes, whether historic or modern reproductions, can be mortgaged but may need specialist assessment. Lenders will want to know about the structural integrity of the timbers, any evidence of woodworm or rot, and whether the building has been properly maintained.

Log Cabins & Park Homes

Log cabins used as permanent residences and park homes on residential sites can sometimes be mortgaged, though options are limited. Specialist park home finance and personal loans may also be options depending on the property's status.