Head of Content
Mortgage Advisor & Director
Can I get a mortgage for a house with two kitchens?
Yes, although not always straightforward, it is possible to get a mortgage for a house with two kitchens.
Many of our customers are surprised to learn that to a mortgage lender, a house with two kitchens can be concerning, and some may even reject your mortgage application. For this reason, these properties can fall into the 'non-standard' category where the choice of lenders is reduced, and the mortgage deals are less competitive.
We know that it can be difficult to find the right mortgage - and even more challenging on a non-standard property. As a specialist mortgage requirement, we would recommend engaging an experienced broker to help boost your chances of securing a mortgage on a house with two kitchens. At Teito, we have helped many people like you to secure a great deal on a non-standard mortgage by providing them competitive deals and unbeatable service.
If you've been looking for a mortgage on a property that has two kitchens, please read on!
Why can it be more difficult to get a mortgage on a house with two kitchens?
From the perspective of the lender, having a house with two kitchens can indicate multiple families or groups of occupants are living in the property.
As this can be a sign that the property is accommodating additional tenants that are not listed on the mortgage, the lines can become blurred on whether the property is being used for residential or rental purposes.
Unless you have consent to let explicitly agreed from your mortgage lender, the terms of your mortgage will almost certainly exclude renting out your home - and you won't be able to get consent to let when applying for the mortgage. Read our article on accidental landlords to learn more on this. If you're planning to rent out the property, you should be applying for a Buy to Let mortgage.
What about Buy to Let properties with two kitchens?
For Buy to Let properties, lenders will want to see that the property is set up with one single Assured Shorthold Tenancy agreement (AST) that covers all tenants, allowing the property to be repossessed and sold more easily if needed.
In England and Wales, an assured shorthold tenancy (AST) can be a tenancy for a fixed term of no more than six months or periodic tenancy. Having two kitchens can imply that there are multiple tenants with various ASTs in place, which would make the property more difficult to sell in the event of repossession.
What are the options for getting a mortgage for a house with a second kitchen?
The good news is that there are some lenders who will be satisfied as long as the buyer confirms that the second kitchen will be used for personal use, or, for example, a nanny or grandparent to use who is living at the property.
There are a few steps you can take that can help support your two kitchen mortgage application:
- You may be able to negotiate to remove the second kitchen either in between exchange and completion or after completion. A representative of the lender will perform an inspection to confirm the removal.
- Another alternative would be to remove key elements of the kitchen such as a cooker to repurpose the area as a utility room. This may also be satisfactory to your potential lender.
- For buy to let properties, some lenders will be prepared to lend on a house with two kitchens, albeit likely with higher rates and deposit requirements and possibly on a House of Multiple Occupancy (HMO) basis.
Your best chances are to engage an experienced broker to support your mortgage application. They will be able to recommend suitable lenders, offer advice and maximise your chances of mortgage approval.
How can I mortgage a house with two kitchens?
We're here to help!
We’ve helped many people like you to secure a great deal on their non-standard mortgage. With Teito, you can apply for your mortgage in just 5 minutes with no paperwork or hassle - the process is simple, everything is online and stress-free. Plus, we’ll give you a decision in principle in minutes - It's all about saving time and money when it comes to getting your dream home - let us help make that happen!
Apply now for your two kitchen mortgage with Teito!
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Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.
