In the UK, obtaining a mortgage for a property deemed uninhabitable can be challenging. Traditional mortgage lenders often require the property to be in a livable condition. However, there are specialist lenders who may consider financing uninhabitable properties. These lenders usually assess the property's potential value after renovation. The borrower may need to provide detailed renovation plans and demonstrate their ability to manage such a project. Interest rates for these types of mortgages can be higher, and the loan-to-value ratio might be lower compared to standard mortgages.