Our Expertise
Self Build
Self build finance releases funds in stages as your project progresses, rather than in a single amount at the start.
Overview
What is self build?
A self build mortgage funds the construction of a new home or a substantial renovation. Rather than one lump sum, money is released at agreed stages such as land purchase, foundations, wall plate, wind and watertight, first fix and completion.
Some products release funds in arrears once a stage is complete and inspected; others release in advance so you can pay for materials and labour before work begins. Which is appropriate depends on your cash flow and the way your project is being managed.
Who might this be suitable for?
- Clients purchasing a plot and building a home
- Owners undertaking a full renovation or conversion
- Applicants working with a main contractor or managing the build themselves
- Clients using a timber frame or modern construction method
How Help to Lend can help
- 01We assess whether an arrears or advance stage payment structure suits your project.
- 02We explain how planning permission, warranties and professional oversight affect lender appetite.
- 03We plan the exit onto a standard mortgage once the build is complete.
- 04We keep the funding schedule aligned with your build programme.
Assessment
What may lenders and providers consider?
Planning and permissions
Detailed planning permission and building regulations approval are usually required.
Build costs and contingency
Lenders expect a realistic cost schedule, and a contingency is normally advisable.
Warranty and oversight
A recognised structural warranty or professional consultant certificate is commonly required.
Construction method
Non-standard construction can narrow the range of lenders willing to consider the project.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
- 20+ Years of Advice
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- Support to Completion