Self Build Mortgages
Building your own home? Finance that keeps pace with each stage.
A self build mortgage releases funds in stages as you build your own home, matching your cash flow to the construction timeline. Money is released at key milestones, either before or after each stage is completed.
Self build lending is specialist territory with its own criteria and valuation approach. We'll guide you through arrears and advance-stage options, help you plan your budget, and secure funding that supports your project from foundations to finish.
Key features
Stage payments
Funds released at each build milestone to match your spending.
Advance or arrears
Options that release money before or after each stage.
Budget planning
We help you map funding to your build timeline and costs.
Specialist lenders
Access to lenders who understand self and custom build.
Is this right for you?
This could be a great fit if:
- You're building or commissioning your own home
- You need funding released in stages, not all at once
- You want help planning cash flow through the build
- You're undertaking a custom or self build project
Frequently asked questions
How do stage payments work?
Money is released at set points such as foundations, wall plate and completion. 'Advance' releases funds before each stage; 'arrears' after. We'll advise which suits you.
Do I need planning permission first?
Yes, lenders will want to see appropriate permissions and warranties in place. We'll help you understand exactly what's required.
What happens once the build is finished?
Many self build mortgages switch to a standard residential product on completion. We'll arrange the most competitive onward deal.
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I wasn't an easy case, but she stayed overhours to make sure she can find a lendor for me. After many tries she made it. I'm sure no other mortgage brooker could do it, but she did.Antoni Lorek · March 2025 28 clients recommend us
How will you fund each stage of the build?
Ring us with the plot, the build cost and your budget. We'll walk you through how the money comes out, stage by stage.
