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Getting a Mortgage on an Ex-Council Block Flat

Lender criteria vary; a broker helps.

Getting a Mortgage on an Ex-Council Block Flat Residential Property Services in London

Updated October 2026 · Fraser Bond

Buying · Ex-council

Mortgages on ex-council flats

Blockheight
Deckaccess
Constructiontype
Brokerhelps
In short: Lenders assess ex-council flats on the block's height, construction (concrete panel systems can be a problem), whether it has deck access, the proportion of flats still owned by the council, and fire safety documentation such as an EWS1 form where relevant. Criteria vary a lot between lenders, so a specialist mortgage broker can find one that will lend. Factor the service charge and future major works into affordability.

Frequently asked questions

Can I get a mortgage on a high-rise ex-council flat?

Often, with the right lender.

What is an EWS1?

A form about external wall fire safety.

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