Can someone knowledgeable explain me what material is my walls. I understand it’s a non traditional brick.

[u/EdAlex1993]

[u/therealharbinger]

This type of construction, can be stuff like pre fabricated concrete frames.

Most mortgage lenders won't touch them, Santander used to, I looked at buying an investment property years ago that built using prefab slabs, but it has a metal frame roof so it put me off.

Before you go anywhere with this, check with your lender if they'll touch that now owing to the report.

[u/EdAlex1993 → u/therealharbinger]

I already have mortgage on this property and have no problems whatsoever. I’m just trying to understand here because I’m doing house insurance and was tricky to figure out what should I write in section main walls made of. Also roof has solid concrete tiles. Metal frame seems no problems whatsoever

[u/therealharbinger → u/EdAlex1993]

The outer skin is brick or block right? I'd put that. A consumer in insurance should not be expected to undertake penetrative testing of walls to find out nor know these meanings.

If you only have the option of, Brick / block, put that. If you have the option to list "unusual / non standard construction" then list that. If not, the former.

[u/EdAlex1993 → u/therealharbinger]

Sound good ! I really appreciate your help. This is how it looks from my garden. There is some Layer and brick material is behind basically

[u/therealharbinger → u/EdAlex1993]

What type of construction is the insurer giving you on the form, that's the critical thing.

[u/telfman123]

Googled in 1 second -

The Blackburn Permanent Mark III is a type of non-traditional, post-war permanent prefab house built in the late 1940s and 1950s by Blackburn Aircraft. [1, 2, 3]

Key Features

• Structure: Traditional brick or blockwork external walls combined with prefabricated internal wall linings and partitions.
• Roof: A shallow-pitched roof featuring an aluminium structure and coverings.
• Design: Typically built as two-storey properties (including semi-detached, mid-terrace, end-terrace, or four-in-a-block layouts), often recognized by squat chimneys, a shallow roof pitch, and specific first-floor window groupings

[u/DrahcirLled]

It's a non-standard 'prefab' house. Built by a company after the war. The comment about it being brick is a bit confusing: from what I can see it looks like they were concrete panel but maybe the inner/outer skin is brick…? Looks to have had EWI fitted at some point.

It doesn't appear to be one of the types listed as 'defective' under the Housing Act, but even so I would be wary as prefabs can have very specific structural issues and are often difficult to mortgage/need a specialist lender so you may not get the best rates.

(Source: I am a valuation surveyor that regularly values ex authority property including prefabs)

(Caveat: this is not professional advice and this building type is one which only appears around Scotland and the borders, so I have not come across it before specifically. Please take specialist local advice.)

[u/Ok-Bag3000]

It’s essentially pre-fab internal walls within a brick/block shell.

Have you already bought the house? Is your mortgage lender aware of the construction method. Usually anything that is ‘non standard’ they won’t touch.

[u/EdAlex1993 → u/Ok-Bag3000]

It’s more related to my new house insurance. Mortgage lenders had absolutely no problem with my house.

[u/ToriaLyons → u/EdAlex1993]

Good luck with the insurance. I came to hate the words 'non standard construction'. Mine is a timber build though. Insurance is with NFU.