Although you may think that there is just the one kind of traditional mortgage, whether it be a 100%, no deposit or interest only mortgage, there is also another kind, known as a non standard mortgage. This is for when the property you're buying isn't made of the normal brick and mortar construction; it could be steel frame, self-build or any other type of material.
If this is the case, most lenders won't actually give you a mortgage, since there's no real resale value associated with the property, and they can't forecast what the self-build or similar property will be worth in the future (unlike a more traditional building). However, you can still get a non standard mortgage from some lenders ? it just usually means different terms from what a more standard one would offer.
Assessment
Before you get this type of mortgage, you'll be assessed by the lender to make sure that you can pay back the mortgage itself. This is where it's the same as a normal mortgage. They will also assess whether they feel that they could make any money back on your property, if it was to be repossessed. If the lender feels they could sell your property again, the better the chance of you being approved for a non standard mortgage.
You can actually pre-guess whether you'd be eligible for a non standard mortgage or not, by knowing some of the criteria that will usually work against you. These include:
Properties with flying freeholds. So, for instance, if one of your upstairs rooms overhangs one of your neighbour's lower rooms, that's known as flying freehold, and lenders aren't too keen on these types of property.
High-rise flats, particularly ones that are over 5 storeys, or if there are balconies on the flats that allow outside access.
Local authority owned, or ex-local authority owned flats. Lenders are particularly loathe to offer mortgages on properties where there are a block of flats, and there are still some that are owned by a council or tenant association ? they far prefer if all the flats belonged to homeowners.
Any properties that are above shops are also very unpopular with lenders, due to the threat of additional wear and tear, burglary or fire.
If the property you're buying is either steel-framed or timber, like a log cabin for example, or a pre-fabricated home.
Other types of non standard properties, such as ones that are made from non traditional build or material.
If you are looking at buying a property that isn't what's classed as a traditional type of building, like a wood cabin holiday home in the Highlands for example, you don't need to worry unnecessarily about getting a mortgage. Yes, it may be a little more difficult than a standard one, but it's not impossible. Check with an independent mortgage advisor on the best way forward, or even do it yourself and look at the various mortgage options available to you online.
Non Standard Insurance Companies
In part 1 of the article, we looked at some of the more common non-standard samples used to obtain DNA from an individual for DNA testing purposes. In this article we look at DNA extraction success rates from the various types of samples and how these can vary from one sample to another.
Non standard samples do not always guarantee that a DNA Profile will be obtained. Whilst for buccal swabs it is possible not to obtain DNA, such as in cases where the swabbing was not adequately performed or else the swabs grows mould due to damp storage conditions, in general problems with this type of sample are normally less than 2%. Therefore depending on the nature of the sample, there is usually associated a High, Medium or Low probability of success in extracting DNA from each type of sample (in some cases a percentage probability of success is provided).
High (80%) : For samples such as fresh blood stains or hairs with root where, for a qualified and experienced DNA laboratory, extracting DNA is considered relatively straightforward. In such cases, as long as the sample is handled properly both during collection and delivery to the laboratory, one can expect a high probability of success in extracting DNA.
Medium (50%-60%) : For samples such as a toothbrush or cigarette butts the success rate is influenced by a number of variables including heavy use vs light use and/or storage conditions etc. Therefore a heavily smoked cigarette butt found in an ashtray at home is more likely to result in a successful DNA extraction than a lightly smoked cigarette that has been thrown on the street and exposed to the elements (e.g. rain).
Low (20% - 30%) For samples such as teeth or bone, where extracting DNA is a relatively difficult and time consuming process, these normally need to be handled by a highly specialised laboratory. In such cases, the individual should consult the laboratory first to check their level of expertise, if they will accept the sample and the cost.
The classification above is however only a guideline, since as we have seen it is not just the type of sample that is important but also other variables can have an influence such as :
2. Poor sample handling (possible contamination with other DNA or dirt by touching the sample)
3. Not enough DNA present (e.g. heavily used toothbrush vs used once only)
It is also important to note that the success rate will also depend heavily on the ability of the laboratory performing the test. Not all laboratories that can perform DNA Paternity testing on normal swabs are capable of obtaining DNA from a wide variety of other media. The more difficult the media (e.g. teeth and bone), the greater the specialisation and experience required to increase the chance of a successful DNA extraction.
Finally, it is also important to note that with non-standard samples there is always a risk that the extraction will not work. Therefore any person considering submitting such a sample, especially where it may be only a limited sample available (e.g. person is dead), should take this into consideration. Selection of an experienced laboratory (possibly of forensic specialization) will help minimize this risk.
Both Michael Sterios & Kevin Camilleri are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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