Building Your Own Home?


Self Build Mortgages

Looking for Self Build Mortgages?

There are so many details to keep on top of when building your own home, let us take care of the financial ones. Our self build mortgages quotes are free with no obligation. By choosing to build your own property you will already be saving thousands by not paying stamp duty. There is no stamp duty charged on building work or on the property once it’s completed and you only pay stamp duty on a plot of land if it is over £125,000.

We offer free advice to ensure your self build mortgage journey is as smooth as possible.

Buy the Land and Build the house – Stress free!

A self build mortgage is a home loan you take out to buy land and finance building your own house. Funds are typically released in instalments to be allocated to different stages in a build including the first stage… buying the land! Keep in mind it’s important to know if your money will be released at the end of a payment period or the beginning so you can remain on top of your project. Whereas some specialist brokers have lent 95% of the value of the land in the past, currently lenders are more in the ballpark of 75% of the cost of the land or around 60% of build costs. Some lenders refuse to lend if your are doing the building work yourself rather than having it designed and built for you.

Self Build Mortgages
Self Build Mortgages

How much can I borrow?

If you already own the land then this puts you a simpler position as you can immediately drawdown from the value of the land. If you do not and require lending for the land and the build then you typically require a minimum of 15%  deposit of the land value and the build cost . The lender would lend up to  up to 75% of the final value.

A self build is assessed similar to a normal mortgage, which will be based on your personal incomes , liabilities and personal circumstances.

Arrange a call with our advisers  who talk you through the process and work out the affordability .

Considering Self Build?

Before you embark on building the home of your dreams, there are some considerations to take into account.

  1. You should always include a 10%-20% contingency
  2. Have a clear vision of who will be doing the build and the costs.
  3. Find a suitable plot or renovation project
  4. Have the property designed – Find an appropriate Architect
  5. Find a suitable Builder
  6. Get planning permission in place
  7. Make sure Building Regulations are adhered to
  8. Arrange Finance and make sure you qualify for the finance
  9.  Consider the costs to make sure its affordable and planned out

These are very basic considerations, our advisers will be able to assist you with the detailed points to consider.

Self Build Mortgages


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