UK’s Leading Timber Frame Mortgage Brokers – Fox Davidson
Fox Davidson is a trusted timber frame mortgage broker in the UK, securing mortgages for timber framed property since 2013. With over 600 successful cases and £50m+ arranged, we specialise in non-standard construction, helping clients overcome high street bank rejections. The UK’s property market, with 4.3% annual price growth and 19% private renters (Land Registry, ONS 2024), offers opportunities for timber frame homes, from 1920s period properties in Manchester to modern self-builds in Bristol. Our brokers access 100+ specialist lenders, including private banks, to deliver competitive rates for residential, buy-to-let timber frame mortgages.
Why choose Fox Davidson as your timber frame mortgage broker in the UK?
- Access to 100+ specialist lenders, including high street and private banks
- Competitive rates
- Expertise in pre-1970s and modern timber frame construction.
- Success with complex cases, including period houses and large acreage
📞 Call for a free consultation. 💻 Complete our enquiry form or 📧 Email with an outline of your requirements.
Why Invest in Timber Framed Properties in the UK?
Timber framed properties, from historic cottages to eco-friendly self-builds, are gaining popularity in the UK due to their energy efficiency and aesthetic appeal. Key highlights:
- Market Demand: Timber frame homes account for 25% of new UK builds (NHBC, 2024), driven by sustainability trends.
- Rental Potential: Buy-to-let timber frame properties yield 5.7–8% in cities like Manchester and Bristol.
- Price Growth: UK properties rose 4.3% annually, with timber frames holding strong resale value.
- Eco Appeal: Modern timber frames with cavity wall insulation attract eco-conscious buyers.
A mortgage for timber framed property unlocks these opportunities, but high street banks often reject applications due to non-standard construction risks. Fox Davidson bridges this gap with specialist solutions.
What is a Mortgage for Timber Framed Property?
A mortgage for timber framed property is a specialised loan for homes built with timber frames, classified as non-standard construction. Lenders assess structural integrity, cladding (e.g., brick veneer vs. timber), and age (pre-1970s vs. modern), often requiring full surveys or hidden defects insurance. As expert timber frame mortgage brokers in the UK, we source deals from high-street banks, private funders, and specialist lenders, offering up to 90% LTV for post-1970 builds and rates from 4%.
Key benefits of timber frame mortgages in the UK:
- Finance homes or buy-to-let properties (£100k–£10m+).
- Access 95% LTV for modern timber frames with brick cladding.
- Navigate complex criteria for pre-1970s or period properties.
- Support large self-build projects with staged funding (£500k+).
How to Get a Timber Frame Mortgage with Fox Davidson. Our 4-step process simplifies financing:
- Free Property Assessment
Evaluate your timber frame property’s age, construction (e.g., timber clad, brick veneer), and insulation (e.g., cavity wall).
- Specialist Lender Matching
Source from 100+ lenders within 24–48 hours, matching pre-1970s or modern builds to lender criteria.
- Application Preparation
Coordinate structural surveys, engineering reports, and compliance documents (e.g., building regulations, hidden defects insurance).
- Submission and Approval
Manage lender negotiations for 6–8 week completions, or faster for buy-to-let or remortgages.
Requirements:
- Deposit: 5–20% (5% for modern builds)
- Income proof – can lend to 5.5 x income typically
- Lenders basic valuation
- Good credit (minor issues accepted with specialist lenders).
Timber Frame Mortgage Options Across the UK
We offer tailored solutions:
- Residential Timber Frame Mortgages: Up to 95% LTV for homes in London, Manchester, or Bristol. UK coverage
- Buy-to-Let Timber Frame Mortgages: Up to 80% LTV, leveraging 5.7–8% yields
- Remortgages: Equity release for extensions or rate reduction.
- Complex Cases: Support for pre-1970s builds or bad credit scenarios.
Success Stories: Timber Frame Mortgages Across the UK
- Surrey Period Home: Secured a £400k mortgage, 85% LTV, for a 1960s timber frame house despite two previous bank rejections.
- Manchester Buy-to-Let: Funded a £300k timber frame property, 80% LTV, yielding 8% (March 2025).
Why Choose Fox Davidson as Your Timber Frame Mortgage Broker?
- Construction Expertise: Deep knowledge of pre-1970s and modern timber frame methods.
- Lender Relationships: 100+ partners, including high street & private banks for non-standard builds.
- Proven Track Record: 600+ timber frame mortgages since 2013.
- Award-Winning Service: FCA-regulated, 5-star reviews.
- Free Consultation: Transparent fee structure.
Frequently Asked Questions (FAQs) on Timber Frame Mortgages in the UK
Yes, with specialist lenders requiring just a basic valuation and up to 95% loan to value.
5%–25%, with 5% possible for modern builds with brick cladding.
Some high street banks and building societies especially for post-1970 builds with cavity insulation.
3-6 weeks for an offer, can be faster for re-mortgages.
All lenders only require a basic valuation for mortgage purposes.
Yes, up to 80% LTV based on rental income.
Yes, with staged funding for eco-friendly projects across the UK.
Secure Your Timber Frame Mortgage in the UK Today
Don’t let high street banks reject your timber frame dream. Fox Davidson’s timber frame mortgage brokers deliver tailored solutions for properties across the UK.
🔹 Get Your Free Mortgage Consultation with Fox Davidson 🔹
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Fox Davidson is authorised and regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.
