Self Build Mortgages

Our team have direct experience of the self build mortgage market and can help find you a mortgage that suits your project requirements. We have access to a wide range of solutions, banks and specialist lenders to help get your property build financed at the best possible rates and terms.

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Mortgage Expert



Mortgage calculator - How much do you want to borrow?

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2 Year Discount £995 Fee Purchase

Initial Rate
1.58%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£484.43

APR
4.3%

compare

2 Year Fixed £199 Fee Existing Borrower

Initial Rate
1.73%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£489.83

APR
3.5%

compare

2 Year Fixed £995 Fee

Initial Rate
1.73%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.10

APR
3.6%

compare

Intermediary 2 Year Fixed £995 Fee

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£496.55

APR
3.6%

compare

Intermediary 2 Year Fixed £199 Fee Existing Borrower

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.26

APR
3.5%

compare

3 Year Discount £499 Fee

Initial Rate
1.85%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£495.74

APR
4%

compare

FTB 2 Year Fixed No Fee

Initial Rate
1.9%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£498.74

APR
3.5%

compare

2 Year Discount £495 Fee Additional Borrowing

Initial Rate
1.95%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£503.58

APR
4.2%

compare

Offset 3 Year Discount £499 Fee

Initial Rate
2.15%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£515.27

APR
3.9%

compare

3 Year Fixed £995 Fee

Initial Rate
2.18%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£519.31

APR
3.5%

compare

3 Year Fixed £199 Fee Existing Borrower

Initial Rate
2.18%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£515.87

APR
3.4%

compare

2 Year Fixed No Fee Existing Borrower

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£515.60

APR
3.5%

compare

3 Year Fixed £999 Fee

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£515.47

APR
4.2%

compare

2 Year Fixed No Fee

Initial Rate
2.19%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£515.60

APR
3.5%

compare

Direct Self Build 3 Year Discount No Fee

Initial Rate
2.24%

Mortgage Type
Discount

Duration
Jan-2020

Monthly Payment
£518.41

APR
3.8%

compare

3 Year Discount £995 Fee Purchase

Initial Rate
2.25%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£523.34

APR
4.1%

compare

3 Year Discount £495 Fee Additional Borrowing

Initial Rate
2.25%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£521.15

APR
3.9%

compare

Intermediary 3 Year Fixed £995 Fee

Initial Rate
2.3%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£526.44

APR
3.5%

compare

Intermediary 3 Year Fixed £199 Fee Existing Borrower

Initial Rate
2.3%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£522.95

APR
3.5%

compare

Intermediary 2 Year Fixed No Fee

Initial Rate
2.51%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£534.59

APR
3.6%

compare

Intermediary 2 Year Fixed No Fee Existing Borrower

Initial Rate
2.51%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£534.59

APR
3.6%

compare

3 Year Fixed No Fee

Initial Rate
2.52%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£535.05

APR
4.2%

compare

5 Year Fixed £995 Fee

Initial Rate
2.58%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£543.30

APR
3.4%

compare

5 Year Fixed £199 Fee Existing Borrower

Initial Rate
2.58%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£539.70

APR
3.4%

compare

3 Year Fixed No Fee Existing Borrower

Initial Rate
2.62%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£541.21

APR
3.5%

compare

3 Year Fixed No Fee

Initial Rate
2.62%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£541.21

APR
3.5%

compare

3 Year Discount £495 Fee IO/Part&Part Purchase

Initial Rate
2.75%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£551.24

APR
4.4%

compare

Intermediary 5 Year Fixed £995 Fee

Initial Rate
2.78%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£555.53

APR
3.5%

compare

Intermediary 5 Year Fixed £199 Fee Existing Borrower

Initial Rate
2.78%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£551.85

APR
3.4%

compare

FTB 5 Year Fixed No Fee

Initial Rate
2.83%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£553.99

APR
3.4%

compare

Intermediary 3 Year Fixed No Fee

Initial Rate
2.85%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£555.21

APR
3.6%

compare

Intermediary 3 Year Fixed No Fee Existing Borrower

Initial Rate
2.85%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£555.21

APR
3.6%

compare

3 Year Discount £499 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£562.96

APR
4.4%

compare

5 Year Fixed No Fee Existing Borrower

Initial Rate
2.98%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£563.22

APR
3.5%

compare

5 Year Fixed No Fee

Initial Rate
2.98%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£563.22

APR
3.5%

compare

Flexi Term Variable £995 Fee

Initial Rate
3%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£569.17

APR
3.1%

compare

Flexi Term Variable £199 Fee Existing Borrower

Initial Rate
3%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£565.40

APR
3.1%

compare

Intermediary 5 Year Fixed No Fee

Initial Rate
3.15%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£573.78

APR
3.6%

compare

Family Assist 4 Year Discount £199 Fee

Initial Rate
3.15%

Mortgage Type
Discount

Duration
4 years

Monthly Payment
£574.60

APR
4.4%

compare

Intermediary 5 Year Fixed No Fee Existing Borrower

Initial Rate
3.15%

Mortgage Type
Fixed

Duration
Apr-2022

Monthly Payment
£573.78

APR
3.6%

compare

3 Year Discount No Fee No ERC

Initial Rate
3.7%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£608.58

APR
4.6%

compare

Buildloan Exclusive Custom Build 2 Year Discount 1% Fee Arr Stage Payment

Initial Rate
4.24%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£650.58

APR
5.4%

compare

Buildloan Exclusive Self Build Renovation 2 Year Discount 1% Fee Arr Stage Payment

Initial Rate
4.24%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£650.58

APR
5.4%

compare

Intermediary Buildstore Renovation 2 Year Discount 1% Fee

Initial Rate
4.24%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£650.58

APR
5.5%

compare

Intermediary Buildstore Custom Build 2 Year Discount 1% Fee

Initial Rate
4.24%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£650.58

APR
5.4%

compare

Buildloan Exclusive Self Build 3 Year Variable No Fee

Initial Rate
4.25%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£644.67

APR
3.5%

compare

Self Build 2 Year Discount £495 Fee

Initial Rate
4.25%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£648.03

APR
4.59%

compare

Buildloan Exclusive Self Build W & WT 2 Year Discount 1% Fee Arr Stage Payment

Initial Rate
4.54%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£670.93

APR
5.5%

compare

Direct Self Build 2 Year Discount £525 Fee

Initial Rate
4.54%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£667.08

APR
5%

compare

Intermediary Buildstore 2 Year Discount 1% Fee Remortgage Wind & Water Tight

Initial Rate
4.54%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£670.93

APR
5.5%

compare



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Recent mortgage Q&A

How to finance building your own home with a self-build mortgage

Self build mortgages

With house prices being so high and with and increasing demand for bespoke built houses, you may be considering building your own house. Not only can you then ensure that the house is exactly what you want, you can also make it energy efficient in the process and you can achieve all of this at a lower cost than if you attempt to buy what you are looking for.

How to get started getting a self-build mortgage

Unfortunately over the past few years this particular mortgage market has shrunk significantly as there was little demand for it. Therefore just finding a self-build mortgage is going to involve searching a niche market. Many of the products that are available are provided by building societies and so they can be a good initial port of call. You will find that the required deposits and other associated conditions will be heavily dependent upon whether you have already secured all of the required planning permission and whether the building work has actually started or not. Any potential lender will take into account any current rental or mortgage commitments before deciding how much they will be willing to lend you.

Plan ahead

Self build mortgages

You are more likely to be successful in your application for a self-build mortgage if you have put together a realistic budget for all of the work that needs to be carried out whilst also ensuring that you have somewhere to live for the duration of the building work. As a rough rule of thumb you can expect to be able to borrow around 75% of the end value of the property. You should also make sure that you have detailed plans for the build of the property and a linked projection of the costs associated with each element of the build. You need to start your application early as unlike a residential mortgage, the application process for a self-build mortgage generally takes around five months. The details of your build plans will also influence exactly how much a lender will offer you.

Receiving your payments

Unlike a residential mortgage, you will receive your mortgage loan in stages. The number of stages will be agreed with your lender and one of the stipulations of the mortgage is likely to be that the lender will need to inspect each stage of the build before they will sign off to release the next payment.

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