Mortgages · Self Build
Financing a home you build yourself.
Self build mortgages release funds in stages as your build progresses, rather than as a single lump sum at completion — matched to how construction finance actually needs to work. They're a genuinely different product from a standard mortgage, with their own specialist lenders.
How self build lending actually works
Rather than releasing the full loan amount upfront, self build mortgages typically release funds in stages as the build progresses — commonly at foundation, wall-plate (walls up to roof height), roofed/watertight, first fix and completion. Some lenders pay in arrears (after each stage is completed and valued), while others pay in advance (before each stage, helping cash flow but requiring more scrutiny of the build plan) — this distinction matters significantly for how much of your own money you need available during the build.
Once the build is complete, most self build mortgages convert to a standard residential mortgage, either with the same lender or via a remortgage — worth planning for from the outset rather than leaving until the build finishes.
Who this is for
- Building a new home on land you own or are buying
- Renovating or converting an existing structure extensively
- Custom-build projects on a serviced plot
- Buyers who already have planning permission or are close to it
- Those needing to understand stage payments and cash flow
- Anyone comparing arrears vs. advance stage-payment structures
How it works
Tell us about the project
Land or plot status, planning permission, build cost and your own funds available.
Understand stage payments
Most lenders release funds at set stages (foundations, wall-plate, roofed, first fix, completion) — we explain how this affects your cash flow.
Lender matching
Self build lending is a specialist market — we identify lenders suited to your specific project.
Application through to completion
Including any conversion to a standard mortgage once the build completes.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.