The following are considered unacceptable security and are generally not permitted. However, discretion may be given on non-standard construction types, subject to satisfactory valuer’s comments and insurability:
- Listed under the Housing Defects Act
- Agricultural restrictions
- Shared Ownership
- Properties which are solely for commercial use
- Local authority flats and maisonettes
- System built concrete construction
- Steel clad properties
- Pre 1990 steel frames properties
- Pre 1970 timber frame properties
- Prefabricated/(pre) reinforced/poured or shuttered concrete construction unconventionally clad i.e., not brick, concrete, or stone block
- Easi-form construction
- Pre 1970s no-fines concrete
- Mundic block
-High alumina cement
-100% timber construction
- Properties built on contaminated land
- Mobile homes
- Farms and small holdings
- River boats