Many of us dream of building our own home because we can make it to exactly the way we want it, however, with a self-build mortgage it requires a different type of mortgage which you will need specialist advice for.

The difference between a self-build mortgage and a standard residential mortgage is that you will receive the loan in stages (when this will be will depend on the lender you go with) rather than a lump sum at the beginning.

If you’re looking to sell or rent out after the build is complete, read our property development finance and advice page for additional information.

Self-build mortgages can be complicated and that’s why we’ve put together the most commonly asked questions. You can find answers to self-build mortgage FAQs below, or if you can’t find one that relates to your own circumstances, why not ask your own?

Can I Get a Mortgage on Land Without Planning Permission?

Unfortunately self build lenders will require outline planning...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

Converting a house into 2 flats

My partner and I are considering purchasing a run down Victorian...

Coverting your house into flats

I currently have a mortgage on a residential terraced property...

How can we convert our two flats into a single dwelling?

We currently own a double fronted Victorian house, which is split...

What is the best way to borrow money to buy land to build on?

I wish to raise £80K for approx 8 months, in order to buy a piece...

Mortgage Against Land

We have a property worth £435,000 with no mortgage, we have made...

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