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Timber framed

This glossary or A to Z should help clear up any confusion as to what terms mean what in the mortgage and insurance industry

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Letter T

Timber framed

A method of house construction were instead of an inner skin or blocks that house is constructed of a timber frame which is treated for damp and covered in a damp proof membrane. Then an outer skin or brocks is constructed around the timber frame to provide a more weather proof coating. The timber frame is the main load bearing part of the structure and generally the brick facade is more decorative than structural.

This type of construction is not only a great deal cheaper than more traditional methods but also a lot quicker as once the ground work has been done a house can appear in a matter of days.

Timber framed properties have traditionally suffered from poor damp-proofing and this restricts the number of lenders willing to accept them as security. Modern building techniques have largely removed these difficulties and properties constructed since about 1980 should be acceptable security to most lenders.

FSA declaration and important text about mortgage advice