Self-build mortgages

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Self-build mortgages

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Self-build mortgages

Embarking on a self-build project is an exciting time, and getting your finances in order is a crucial first step. If you need to borrow money to fund your build, finding the right mortgage will be critical to the success of your project. Instead of a traditional mortgage, you’ll need a self-build mortgage which will provide the loan in stages as your build progresses.

Build your new home with a self-build mortgage.

A self-build mortgage is necessary if you’re building a property yourself. The purpose of the loan is to fund your build costs (including the land purchase cost) so you can complete your new home.

The main difference between a self-build and a traditional mortgage is that the money is released in stages as the build progresses rather than as one lump sum. The timing of the payments varies between lenders and can depend on the construction method.

Staging payments provides the lender with security and ensures the money is spent as intended. It also helps you stick to your self-build budget so you can complete your new home.

You can receive the funds in advance or arrears of each build stage, so you’ll need to consider your project’s cash flow when deciding which self-build mortgage to choose.

No two self-builds are the same, so getting expert advice can help you get the right funding for your project.

Because we play by the book we want to tell you that...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.