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?

Coverting Your House into Flats

You need to gain your lender’s consent before commencing any work...

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...

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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