Yes, you can get a mortgage on a building with cladding, but it's more challenging. Following the Grenfell Tower tragedy, lenders have become cautious about properties with certain types of cladding due to safety concerns. To determine the safety of the cladding, many lenders require an EWS1 form (External Wall System form). This form certifies that the external wall system, including cladding, has been inspected and meets fire safety standards. If a building doesn't have this form or fails the assessment, it can be difficult for potential buyers or current owners to secure a mortgage.