What Is a Self-Build Mortgage?

A self-build mortgage funds a home you are building yourself, rather than one you are buying ready-made. Instead of releasing all the money at once, the lender releases it in stages as your project reaches key points, such as the foundations, walls, roof and completion.

This staged approach keeps the funding in step with the work and your cash flow. It can cover the land purchase as well as the build, and whether each stage is paid before or after the work varies by lender.

Expert Self-Build Mortgage Advice

A modern, architect-designed self-build home.

Self-build lending works differently from a standard mortgage, so the right lender and structure matter. From your first enquiry, we:

match you to lenders who understand self-build and how funds are released
structure the stage payments around your build schedule and cash flow
guide you from buying the land through to the final valuation and completion

We are a leading specialist mortgage broker with access to an extensive range of lenders, including those who specialise in self-build, so your project is funded at every stage.

How It Works

A straightforward process designed around your circumstances - wherever in the world you are.

Free initial consultation

We understand your full circumstances - where you live, how you earn, what you want to buy and your timescales. We give you an honest picture before any formal process begins.

Lender selection & Agreement in Principle

We match your case to the right lenders from our specialist panel and obtain an Agreement in Principle - giving you confidence before you make an offer on a property.

Application & document support

We guide you through every document required - from income evidence to source of funds. We submit a complete, well-presented application to give you the best chance first time.

Mortgage offer & completion

Whether you're buying or remortgaging, we manage the entire process through to formal mortgage offer and co-ordinate with your solicitor towards completion.

Self-Build Mortgages