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Advice and FAQs

Listed buildings and mortgages

Securing a mortgage for a listed building can be a unique and rewarding experience, but it can come with its own set of challenges.

Listed buildings, recognised for their historical and architectural significance, are subject to strict regulations to ensure the character and heritage are preserved for generations to come.

Listed buildings can require specialised maintenance and renovations, which can impact the mortgage process. Lenders typically assess these applications with greater scrutiny, considering factors such as the property’s marketability and the costs associated with its upkeep. Taking out a mortgage whether for the first time or remortgaging after your preferential rate comes to an end may have some hurdles, but with the right guidance and a knowledgeable broker, obtaining a mortgage for a listed building is certainly achievable.

Your mortgage and insurance, working together

Finding a mortgage that’s right for you and your listed home can be time consuming and confusing. That’s where, much like with listed home insurance, working with a specialist broker can make the process less daunting, clearer and less time intensive.

At Abode we are the listed building specialists within Howden. Howden is a global broker that has expertise in many fields. A key benefit of working with us is that we can point you in the right direction for help with many different things. One of the areas we can help with is introducing you to SPF Private Clients Ltd.

Who are SPF?

SPF are one of the UK’s leading whole-of-market mortgage brokerages. Having been in business since 1997, SPF have established strong relationships with key lenders and Private banks, allowing them to offer:

A wide range of mortgage options
Exclusive rates
Bespoke arrangements
Competitive terms

SPF are able to help:

When you are first looking to buy a listed property
When you need to remortgage a listed property

When securing a mortgage with SPF you will work with the same broker from start to finish. Your broker will liaise with all parties involved, plus you will have access to their administrator throughout the process.

If you’d like to speak to SPF about your mortgage needs, or would simply like some advice, please fill in the form below

SPF Private Clients Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy-to-let and commercial mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

SPF may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after SPF have fully understood your requirements. Any fee is payable upon successful completion of your transaction, unless agreed otherwise. SPF may also receive commission from the lender.

Listed buildings and mortgages

Your mortgage and insurance, working together

Who are SPF?

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