Self-Build & Renovation Mortgages
Finance that's released in stages as your project progresses — for self-build, custom build, conversions and major renovations.
Building or Transforming a Home
A standard mortgage assumes the home already exists. When you're building one, converting a building, or renovating a property that can't be lived in yet, you need finance that's released as the work progresses. We advise on the whole project and arrange the finance with specialist self-build lenders, so the money arrives when your build needs it.
Self-Build
Building your own home on your own plot — whether you're managing trades yourself or using a main contractor.
Custom Build
A developer or package company builds a home to your design, often on a serviced plot.
Renovation & Conversion
Barn and building conversions, or major works on a property that isn't habitable until they're done.
Plot Purchase
Funding to buy the land itself, so you can secure the plot before the build begins.
How Self-Build Finance Works
Staged Releases
Funds are released in stages as the build progresses — typically plot purchase, foundations, wind and watertight, and completion — rather than as one lump sum.
Advance or Arrears Payments
Some products release each stage's money before the work starts, others after it's done. The right choice depends on how much cash you can put in along the way.
Lent on the Finished Value
Lenders look at the plot today and what the property will be worth once complete, which shapes how much you can borrow at each stage.
A Mortgage at the End
Once the build is finished, the loan becomes — or is refinanced onto — a standard residential mortgage on the completed home.
How We Work With You
Initial Conversation
Your plot, plans, budget and timeline — and how you intend to run the build. We'll flag anything a lender will want to see early.
Structuring the Finance
We work out the stage-payment plan, advance or arrears release, your deposit and contingency, and how it all fits your cash flow.
Application & Valuation
We package and place the case. The lender values the plot and the projected finished home, and reviews your plans, costings and permissions.
Build & Stage Releases
As each stage is completed and inspected, the next release is made. We stay involved so funds keep pace with the build.
Completion & Beyond
Once you've moved in, we make sure you're on the right long-term mortgage — and review it as rates change.
Key Considerations
Planning, Warranties & Building Control
Lenders will usually want full planning permission and building regulations approval, plus a structural warranty or architect's certificate for new builds.
Contingency
Builds rarely come in exactly on budget. A realistic contingency protects you if costs or timescales move.
Cash Flow Between Stages
With arrears payments you fund each stage before it's reimbursed, so it's important to plan how you'll bridge those gaps.
Where You'll Live During the Build
Selling, renting, or staying put while you build all affect the finance — and sometimes call for a bridging loan alongside.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Planning a Build?
Talk to us early — ideally before you commit to a plot — and we'll show you how the finance could work for your project.