Usually when you check for lenders that offer non standard mortgages on different websites, there you should be provided with comprehensive lists which contain the types of buildings or properties that are acceptable, and those that are not. Mainly because it is a huge risk to the lender to offer a loan for a non standard building, they will set up stricter criteria for the loan. For this, even before you turn to this option, you have to ensure yourself that you have the appropriate income in order to afford those required regular payments. Moreover, expect that you will be required to show up at least a good credit rating, and in general that you do not have too many debts like more accumulated credit card debts for example.
While there is a risk for the lender, you should also think over seriously the reasons for which you purchase such a non standard building. For example if it is a defective property, and you have to further make heavy investments in order to bring it in a good shape, then make calculations and see how much will you have to invest in it, it may not even be as appealing after all. Don’t forget that you will make heavy repayments until the building is finally yours, and for the renovation you need to use up your saving perhaps. Then, if you wish to purchase a wooden house for example, think about the advantages but also the disadvantages such as you would definitely need to insure it against natural disasters.