Discover what non standard construction means and why it could make or break your property investment – essential knowledge for every UK property owner.

Understanding Non-Standard Construction: The Basics

Non-standard construction refers to any building that deviates from traditional brick or stone walls with slate or tiled roofs – the typical construction method that dominates the UK housing landscape. These properties employ alternative materials and building techniques that, while perfectly viable, don’t conform to what mortgage lenders and insurers consider ‘standard’ construction. According to recent industry data, approximately 15% of UK residential properties fall into the non-standard construction category, making it a significant consideration for property investors and homeowners alike.

Traditional vs Non-Standard Construction Methods

Traditional construction in the UK typically involves brick or stone walls with concrete foundations, supporting a pitched roof covered with tiles or slate. The cavity wall construction, introduced in the early 20th century, remains the gold standard for residential buildings. However, non-standard construction encompasses various alternative approaches:

• Timber-framed buildings with external cladding
• Steel-framed structures with various wall materials
• Concrete panel or pre-cast concrete construction
• Modern methods of construction (MMC) including modular builds
• Properties with flat roofs or unconventional roofing materials
• Historical methods like cob, wattle and daub, or clunch

Common Types of Non-Standard Construction

The most prevalent forms of non-standard construction in the UK include:

• Timber Frame Construction: Accounts for about 25% of new builds in the UK, particularly common in Scotland
• Concrete Construction: Including pre-cast panels and in-situ concrete, often used in post-war building
• Steel Frame: Common in commercial buildings but also used in some residential properties
• Modern Methods of Construction (MMC): Incorporating prefabricated elements and innovative materials

Historical Context: Non-Standard Construction in the UK

The prevalence of non-standard construction in the UK is deeply rooted in our post-war history. Following World War II, Britain faced an unprecedented housing crisis, with over 200,000 homes destroyed and a severe shortage of traditional building materials. This crisis catalysed a revolution in construction methods, leading to the widespread adoption of alternative building techniques and materials.

Post-War Building Boom

The immediate post-war period saw the emergence of various quick-build solutions, including:

• Prefabricated homes (prefabs) designed for temporary use but often lasting decades
• BISF (British Iron and Steel Federation) houses with steel frames
• Concrete panel systems like Wimpey No-Fines and Laing Easiform
• Various local authority experimental housing systems

Evolution of Building Techniques

The development of non-standard construction methods has continued to evolve, with recent innovations including:

• Cross-laminated timber (CLT) construction
• Structural insulated panels (SIPs)
• Advanced modular building systems
• 3D-printed construction elements

Implications of Non-Standard Construction

Understanding the implications of non-standard construction is crucial for property owners and investors. These properties often require special consideration in several key areas, potentially affecting their long-term value and maintenance requirements.

Insurance Considerations

Insurance for non-standard construction properties typically comes with specific challenges:

• Higher premiums due to perceived increased risks
• Limited choice of insurers willing to provide coverage
• Special policy requirements and conditions
• Need for specialist surveys and valuations

Mortgage and Finance Issues

Securing financing for non-standard construction properties can be more challenging than for traditional builds. Many mainstream lenders are hesitant to offer mortgages on these properties, and those that do often impose stricter conditions. Recent data shows that only about 60% of UK lenders regularly consider applications for non-standard construction properties.

Maintenance and Durability

The maintenance requirements for non-standard construction can vary significantly:

• Some materials may require more frequent inspection and maintenance
• Specialist contractors might be needed for repairs
• Replacement materials can be more expensive or harder to source
• Energy efficiency may differ from traditional construction

Making Informed Decisions About Non-Standard Properties

Before investing in a non-standard construction property, thorough due diligence is essential. Current market research indicates that while these properties can offer excellent value, proper assessment and planning are crucial for successful ownership.

Professional Surveys and Assessments

Expert evaluation is critical when considering a non-standard construction property. Key aspects include:

• Structural surveys by specialists familiar with the specific construction type
• Assessment of current condition and potential future issues
• Evaluation of compliance with current building regulations
• Energy performance assessment and improvement potential

Future-Proofing Your Investment

To protect and enhance the value of a non-standard construction property, consider:

• Regular maintenance schedules tailored to the specific construction type
• Building insurance that adequately covers the property’s unique characteristics
• Documentation of all maintenance and improvements
• Planning for potential future modernisation or updates

Conclusion: Is Non-Standard Construction Right for You?

Non-standard construction properties can represent excellent opportunities for the right buyer, but they require careful consideration and planning. While they may present certain challenges in terms of insurance, mortgages, and maintenance, many of these properties are well-built and have stood the test of time. The key to success lies in thorough research, professional assessment, and a clear understanding of the implications of ownership. For those willing to navigate these considerations, non-standard construction properties can offer unique advantages and potential value appreciation in the UK property market.

Sources

[1] https://www.robinson-elliott.co.uk/non-standard-construction-properties/
[2] https://fourthwallbc.com/blog/buying-non-standard-construction-house/
[3] https://hertstools.co.uk/what-is-a-non-standard-construction/