Examples of specialist properties include:

• Barn conversions: These properties are transformed from agricultural structures into residential or commercial spaces, maintaining their rustic charm while incorporating modern amenities.
• Church conversions: These involve converting former religious buildings into residential or commercial properties, often retaining original architectural elements such as stained glass windows, high ceilings, and arches.
• Industrial conversions: Repurposing old factories, warehouses, or other industrial buildings into residential lofts or commercial spaces, often showcasing exposed brick, beams, and other industrial features.
• Windmills and watermills: These unique structures, once used for milling purposes, can be converted into charming and characterful residential or commercial properties.
• Eco-friendly or sustainable homes: Properties designed and built with environmentally-friendly materials, technologies, and energy-efficient features, often using alternative construction methods.
• Non-standard construction: Lenders are wary of any type of non standard construction, particularly timber framed properties, steel frame houses and PRC houses.

Due to their unconventional nature, obtaining financing for specialist properties can be more challenging than for standard properties.

While a few of these properties might be acceptable for a commercial mortgage arrangement, in this guide we concentrate on the available options to finance a residential dwelling (house or flat), (or windmill).