Other Property-Related Complexities
Issues that come up during the process, rather than from the property's type or use
Overview
Some property complexity only shows up once a survey or search comes back — not from the type of building or how it's used, but from something specific to that individual property, or from regulations that only bite once a property is being let. This covers the situations that come up but don't sit under either category above.
Short Lease Properties
Leasehold flats with fewer years remaining than standard lenders will touch — we know which lenders adjust their criteria and by how much
Survey & Valuation Issues
Subsidence, Japanese knotweed, or damp flagged on survey — we know which lenders take a pragmatic view and which won't touch it
Restrictive Covenants & Title Issues
Legal restrictions on the property's title that some lenders require resolved before they'll lend
Licensing & EPC Rules for Rentals
If you're letting the property, Selective and Additional Licensing schemes apply in many local authority areas, and Minimum Energy Efficiency Standards restrict letting below a certain EPC rating — both worth checking before you buy, not after
Why Choose Domus Finance?
Lender Knowledge
We know which lenders take a pragmatic, common-sense view of individual property issues
Joined-Up Advice
We work alongside your surveyor and conveyancer rather than leaving you to interpret their reports alone, and flag licensing or EPC issues early if you're letting
Whole of Market
Access to specialist lenders who focus specifically on non-standard security
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.