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This content was reviewed and approved by Amy Fletcher.

Most equity release providers are more likely to accept homes built using traditional materials such as brick and tile. However, not every property in the UK was built this way.

Many homeowners live in properties that are classed as non-standard construction. This can include timber-framed houses, concrete-built homes, steel-framed properties and prefabricated buildings. While these homes are often perfectly safe and desirable places to live, they can sometimes be treated differently by lenders.

In this guide, we'll explain how equity release works for non-standard construction homes, why some properties are accepted while others aren't, and what you should know before applying.

What is a non-standard construction property?

A non-standard construction property is a home that wasn't built using what lenders consider traditional building methods.

In most cases, a standard construction property is one built with brick or stone walls and a tiled or slate roof. Homes that use alternative materials or construction techniques may be classed as non-standard.

Common examples include:

• timber-framed houses,
• concrete-built homes,
• precast reinforced concrete (PRC) properties,
• steel-framed houses,
• prefabricated homes,
• system-built properties,
• thatched cottages,
• some listed and converted buildings.

Yes, it's often possible to get non-standard construction equity release. Whether your home qualifies will depend on a range of factors, including how it was built, its condition and whether the lender believes it will be straightforward to sell in the future.

When assessing an application, providers will typically consider:

Every provider has its own criteria, so a property that's unsuitable for one lender may still be considered by another. That's why it's important not to assume that a non-standard construction home won't qualify.

The easiest way to find out if your home qualifies is by contacting a professional equity release adviser.

Why are some non-standard construction homes refused for equity release?

One of the most common questions homeowners ask is why some non-standard properties are accepted for equity release while others aren't.

The main reason is that equity release providers need to be confident that a property will retain its value and be reasonably easy to sell in the future. Since the loan is usually repaid when the property is sold, lenders want to understand any risks that could affect resale.

There are several reasons why an application might be declined.

Concerns about future resale

What construction types are not accepted for equity release?

There isn't a universal list of properties that all equity release providers refuse.

Each lender has its own criteria and may take a different view of a particular construction type. A property that one lender declines may be considered by another.

That said, some homes can be more challenging than others, including:

• Certain unrepaired PRC (pre-cast reinforced concrete) properties.

• Homes with significant structural defects.

• Properties in poor condition.

• Construction types that are difficult to mortgage like some PRC, prefab and steel-framed homes.

• Buildings that are difficult to value accurately like listed buildings, converted properties and unique or non-standard homes.

Rather than focusing solely on the construction type, lenders will usually look at the overall condition, value and marketability of the property.

What types of non-standard construction homes may be accepted?

Many non-standard construction homes are accepted for equity release. Whether a property is accepted often comes down to its condition, age, location and the way it was built.

Timber-framed homes

Timber-framed homes are one of the most common non-standard construction types in the UK. Modern timber-frame properties are widely used and are often viewed positively by lenders.

Older timber-framed homes may require additional checks, particularly if there are concerns about maintenance or structural condition.

Concrete-built homes

Some concrete-built homes are readily accepted for equity release, while others may be subject to additional assessment.

The exact construction method will usually play an important role in determining eligibility.

Steel-framed properties

Steel-framed homes can sometimes be accepted, although providers may assess them on an individual basis.

Factors such as age, condition and local demand can all influence a lender's decision.

Prefabricated and system-built homes

Many modern prefabricated homes are built to high standards and may be considered suitable for equity release.

As with other non-standard properties, eligibility will usually depend on the specific construction type and the property's age and overall condition.

Can you get equity release with a timber-framed house?

In many cases, yes. Timber-framed homes are often accepted by equity release providers, particularly where the property has been well maintained and is considered readily marketable.

When reviewing a timber-framed property, a lender may consider:

• the age of the home,

• the type of timber construction used,

• any signs of structural concerns,

• the property's value,

• local buyer demand.

Modern timber-frame homes are generally more acceptable to lenders because they have become increasingly common in recent decades.

Can you get equity release on a concrete house?

You may be able to get equity release on a concrete-built home, but it depends on the type of construction.

Some concrete properties are widely accepted by lenders, while others can be more difficult to place. Homes built using certain PRC systems may face additional checks because some construction methods have experienced structural issues in the past.

A valuation and survey will usually help determine whether the property meets a lender's requirements.

If your home is built from concrete and you're considering equity release, it's worth remembering that eligibility is often assessed on an individual basis rather than purely on the material used.

Can you get equity release on a prefabricated house?

Some prefabricated homes may qualify for equity release. Modern modular and prefabricated homes are often built to recognised standards and can be viewed similarly to many traditionally constructed properties.

Older prefabricated homes may face more restrictions depending on their age, materials and overall condition.

When assessing a prefabricated property, providers are likely to consider:

• the construction method,

• the property's condition,

• survey findings,

• local demand,

• future resale prospects.

How do lenders assess non-standard construction properties?

The process is generally similar to any other equity release application, although some non-standard properties may need a few extra checks.

A typical application process includes:

1. an initial review of your eligibility,
2. an independent property valuation,
3. assessment of the property's construction type,
4. review of the property's condition,
5. consideration of future resale prospects,
6. a final lending decision.

The valuation stage is particularly important because it helps determine both the property's value and whether the construction type presents any concerns.

Will a survey be required?

Most equity release applications involve a valuation carried out by an independent surveyor.

For non-standard construction homes, the surveyor may take a closer look at factors such as:

• the materials used,
• structural condition,
• signs of deterioration,
• general maintenance,
• local market demand.

In some cases, additional reports or specialist inspections may be requested if further information is needed.

While this can add an extra step to the process, it helps ensure the property is assessed fairly and accurately.

How much equity could you release from a non-standard construction property?

The amount you could release will depend on several factors.

These typically include:

• your age,
• the value of your property,
• the construction type,
• the lender's criteria,
• the outcome of the valuation.

As with any equity release plan, borrowing limits vary from person to person. The amount available will depend on your individual circumstances and the property being used as security.

What are the alternatives if equity release isn't available?

If non-standard construction equity release isn't available on your property, there may be other options worth exploring.

Depending on your circumstances, these could include:

• downsizing to a smaller home,
• a retirement interest-only mortgage,
• conventional borrowing,
• using savings or investments,
• support from family members.

The right solution will depend on your financial needs, retirement plans and long-term goals.

Things to consider before applying for non-standard construction equity release

Before taking out equity release, it's worth understanding how it works and what it could mean for your finances in the future.

Some key considerations include:

• the impact on your inheritance,
• how interest builds up over time,
• any effect on means-tested benefits,
• your future financial needs,
• whether alternative options might be more suitable.

Getting financial advice can help you understand the potential benefits, risks and alternatives before deciding whether equity release is right for you.

Need to know how much equity you can release? Try our equity release calculator to help you get started.

Considering Equity Release? LV= can help.

If you're thinking about releasing equity from a non-standard construction property, understanding your options is an important first step. 

Visit the LV= equity release advice services to learn more about how equity release works and whether it could be suitable for your circumstances.

If you have questions or would like further guidance, our team is here to help. Get in touch today and request a call back to discuss your options and find the support you need. Or if you want to learn more on your own, stay up-to-date with all things equity release with our helpful guides.

Non-standard construction equity release FAQs

Understanding non-standard construction equity release can be notoriously challenging. Find the answers to some of the most commonly asked questions about it.

Does non-standard construction affect how much equity you can release?

It can. Some lenders may apply different lending limits depending on the property's construction type, condition and marketability. The amount available will also depend on factors such as your age and the property's value.

Can a surveyor refuse a property for equity release?

A surveyor doesn't make the final lending decision, but their valuation and assessment can influence the outcome. If significant structural issues or concerns about future saleability are identified, a lender may decide not to proceed.

Is equity release available on ex-local authority non-standard construction homes?

It can be. Some ex-local authority properties are accepted for equity release, while others may face additional checks depending on how they were built and their current condition. A valuation will usually help determine whether the property meets a lender's requirements.