Indicates if a lender can potentially accept applications on properties where the construction type is Modern method of construction (MMC).

MMC involves a wide range of techniques and materials but the overriding aim is to minimise the amount of time required to construct a building on site.  There has been an acceleration in the use of MMC over the past decade, but mainly in the social housing and self–build housing sectors.  Most private house building still adopts traditional construction methods although this may nowadays embrace some elements of MMC such as prefabricated dormer windows and chimneys.  MMC primarily involves off-site construction techniques that can benefit mass production factory processes.  Examples are timber panellised construction systems/structural insulated panels (SIPs).  Another example is insulating concrete formwork (ICF).

Whilst there is a desire to utilise advanced construction technology in the house building process, there is still a reluctance on the part of many lenders to universally accept MMC.  This is to some extent understandable given that there is no proven track record as to the longevity of the techniques and materials being adopted. Some, but by no means all of the systems that have thus far been developed have received BOPAS accreditation which is an independent body that assesses the suitability of certain systems and if approved, it ‘guarantees’ a minimum life expectancy of 60 years, but so far this has had very patchy success. MMC is still evolving and whilst most lenders will consider it, it is still very much on a case by case basis.