The decisions you may be facing
- A buyer’s lender declining a property after the sale has already taken time and money.
- Uncertainty about a short lease, non-standard construction or missing essential facilities.
- Trying to decide whether to investigate or remedy a problem before marketing again.
How we can help
Start with the reason the property has been described as difficult to mortgage. A lender’s decision, an existing survey or a lease summary can help identify the issue. Different lenders and property types have different requirements, so the label alone is not enough.
We consider short-lease flats, properties needing major work and non-standard homes. For a flat, the lease length, ground rent, service charge, major works and management arrangements are relevant. For a house, construction, structural condition and title may be central.
We’ll explain whether we can investigate further. An initial enquiry does not guarantee a funded purchase, and any offer remains subject to the agreed checks.
What to consider before deciding
Ask how a proposed purchase will be funded and what checks or conditions apply before choosing a purchaser. Request evidence rather than assume that every direct buyer uses cash.
A specialist estate agent or auction may provide another route. Compare fees, realistic demand and the sale terms; a direct purchase is not automatically the highest-value option.
Obtain independent advice about lease extensions, defects or title problems before paying for work or agreeing terms. We do not provide mortgage, surveying or legal advice.
Your questions, answered
Will you buy every unmortgageable property?
No. We consider enquiries individually, including the reason a lender would not accept the property, the cost of any remedy, legal constraints and the likely resale market.
Should I extend a short lease first?
That depends on the particular lease, costs and your objectives. Obtain independent specialist advice, then compare the possible net proceeds of selling now with the costs and timescale of an extension.