Mortgage for BISF Steel Framed Houses (Right to Buy & Remortgage Options)
Looking for a mortgage on a BISF steel-framed house?
Been turned down by your bank? Or want to buy your home under Right to Buy?
We can help.
We regularly arrange mortgages for British Iron and Steel Federation system properties — often at standard residential rates.
What is a BISF Steel Framed House?
BISF houses (British Iron & Steel Federation) were built after World War II to provide fast, affordable housing across the UK.
Around 40,000 were constructed, and they remain a common property type today.
Typical features include:
- Steel frame construction (non-standard)
- Brick ground floor
- Clad upper level
- Originally fitted with steel sheet roofs (many now tiled)
Because of the construction type, they are classed as non-standard construction properties.
Can you get a mortgage on a BISF house?
Yes — BISF mortgages are available, but not all lenders will accept them.
High street lenders may decline due to:
- Steel frame construction
- Concerns around corrosion
- Older roof structures
- General condition of the property
However, we work with lenders who specialise in non-standard construction mortgages, including BISF properties.
If the property has been improved (for example with a new roof or updated cladding), your options are usually better.
Struggling to get a mortgage for a steel-framed house?
If you’ve been declined, you’re not alone.
We can help clients who:
- Have been refused by high street lenders
- Are buying BISF or other non-standard properties
- Have credit issues (defaults, CCJs, missed payments)
- Are purchasing properties not in perfect condition
We assess your full circumstances, not just your credit score.
Right to Buy BISF Mortgage – Up to 100%
If you’re a council or housing association tenant, you may be able to buy your BISF home under the Right to Buy scheme.
- Mortgages up to 100% may be available
- Your Right to Buy discount can act as your deposit
- You may only need funds for fees
Important: Availability of 100% Right to Buy mortgages depends on lender criteria and application timing. Changes introduced after October 2025 mean not all applicants will qualify. Each case is assessed individually.
If you’ve been a tenant for at least two years, you may be eligible for a discount based on how long you’ve lived in the property.
We also help with other non-standard construction mortgages
In addition to BISF houses, we can help with mortgages for:
- Steel-framed houses
- Concrete houses (PRC)
- Prefabricated homes
Including types such as:
Woolaway, Cornish, Airey, Unity, Reema, Wates and many more.
Why choose us?
- Access to specialist lenders
- Mortgages for non-standard construction
- Help with a poor or limited credit history
- Full support from application to completion
- Everything was handled over the phone
Final word
Getting a mortgage on a BISF steel-framed house is absolutely possible — even if you’ve been declined elsewhere.
The key is knowing which lenders to approach.
That’s where we come in.
Mortgage Solutions has access to companies who will lend on Non - Standard Construction properties,these can be concrete, prefabricated, Steel frame houses regardless of whether they have been repaired or not.
Funding is available to people who wish to purchase or remortgage.
AGM Modular, Airey, Adams, Boot, Boswell, Bryant, Cornish, Cornish Bungalow, Dorran, Dyke, Gregory, Hawksley SGS, HBL Bungalow, Lilleshall, Myton House, Newland, Orlit, Parkinson, Reema Hollow Panel, Reema Conclad, Schhindler, Smith, Stent, Stonecret, Terran, Underdown, Unity, Butterley, Wates, Wessex, Weir, Winget, Whitson Fairhurst, Woolaway House, Woolaway Bungalow, Waller,
Properties in Scotland,Blackburn Orlit House,Boot House,Dorran House,Lileshall House,Lindsay House,Myton Clyde House,Orlit House,Tarran House,Tarran Clyde House,Beam,Unitroy House,Whitson Fairhurst House,Winget House. regardless of whether they have been repaired.
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