Concrete Construction Mortgages
Concrete construction mortgages for Wimpey No-Fines, Cornish Units, Airey Houses, Laing Easiform, and other system-built types - with specialist lenders who assess each construction type and repair standard individually.
Concrete system-built properties - specialist assessment
Concrete system-built properties were widely constructed in the UK from the 1920s through the 1970s as a solution to the post-war housing shortage. Many of these properties have since been repaired under PRC (Prefabricated Reinforced Concrete) repair schemes - installing new structural cladding. A PRC repair certificate from an approved installer dramatically broadens the mortgage lender panel available. Without a PRC certificate, the specialist lender panel is narrower but options still exist.
Every concrete system-built type assessed
Wimpey No-Fines
One of the most common concrete system-built types. Cast in-situ with no-fines aggregate - distinct from prefabricated concrete. Some specialist lenders advance on Wimpey No-Fines in good condition without a PRC certificate.
Cornish Units (Type 1 and 2)
Prefabricated concrete construction from the post-war period. Cornish Type 1 properties are considered by specialist lenders. Cornish Type 2 are more challenging due to structural issues identified in the 1980s non-traditional housing survey.
Airey Houses
Steel frame with precast concrete cladding. Airey properties with PRC repair certificates are accepted by specialist lenders. Unrepaired Airey houses have a very narrow specialist lender panel.
Laing Easiform
Cast in-situ concrete wall construction. Most specialist lenders assess Laing Easiform on its condition and any repairs completed rather than applying a blanket exclusion based on the construction type.
PRC Certificate - Broader Access
A PRC repair certificate from an approved installer confirms that the concrete system-built property has been repaired to a standard acceptable to specialist lenders. With a valid PRC certificate, the lender panel is significantly broader and the LTV available higher.
Full Structural Survey Requirement
Most specialist concrete construction lenders require a RICS Level 3 Building Survey (full structural survey) alongside the standard mortgage valuation. We co-ordinate the survey as part of the application process.
How it works
Construction type and repair status
Tell us the exact construction type and whether a PRC repair certificate exists. We identify which specialist lenders are active for your specific construction type and repair status.
Structural survey co-ordination
We arrange a RICS Level 3 Building Survey from a surveyor experienced in concrete system-built properties alongside the mortgage valuation.
Application and underwriting
The survey findings and PRC certificate (if available) are presented alongside the mortgage application. We manage any underwriter questions about the specific construction type and condition.
Mortgage offer
Typical timeline: 4 to 6 weeks from full application to mortgage offer. Additional time may be required where structural surveys reveal issues needing further investigation.
Buying or remortgaging a concrete construction property?
Tell us the construction type and repair status. We identify the right specialist lender - same working day response.
Frequently asked questions
Can I get a mortgage on a Wimpey No-Fines house?
Yes - from specialist lenders. Wimpey No-Fines in good condition, without requiring a PRC repair certificate, is accepted by a number of specialist lenders. A RICS Level 3 structural survey is typically required.
What is a PRC repair certificate and why does it matter?
A PRC certificate confirms that a concrete system-built property has been repaired to an approved standard by an authorised installer. With a valid PRC certificate, the specialist lender panel is significantly broader and the LTV available materially higher than without.
Can I get a mortgage on an Airey house?
Yes - from specialist lenders. Airey houses with PRC repair certificates are accepted by a wider specialist panel. Unrepaired Airey properties have a narrower specialist lender panel. A structural survey is required in both cases.
What LTV is available on concrete system-built properties?
Typically 70-75% LTV from specialist lenders on PRC-repaired properties with valid certificates. Unrepaired concrete system-built properties typically achieve lower LTV from the smaller panel of specialist lenders who will advance.
Do I always need a full structural survey?
Most specialist concrete construction lenders require a RICS Level 3 Building Survey in addition to the standard mortgage valuation. This is standard practice and not a specific barrier - it is the appropriate level of survey for non-standard construction types.