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Maximising your self build mortgage chances

Get the right finance in place to support your project goals with Tim Doherty’s in-depth guide

W hile some are lucky enough to be able to fund a project without borrowing, for most of us, a suitable mortgage is a must. But the high street banks don’t tend to be set up for the unique requirements of a live build that’s changing in value as it gets constructed. Thankfully, specific self build mortgages are available. But how can you access them and improve your chances of being accepted?

What are self build mortgages?

When you start exploring the market, you’ll quickly realise there are two basic types of mortgage for self builders; those that lend you money in arrears (ie after works have progressed on site); and those that give you it upfront and ahead of the works being started. Both will almost always lend in stages as the project unfolds and both are typically capped at a maximum contribution of around 70%-85% of the predicted end value of the project, otherwise known as the loan-to-value (LTV) ratio.

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About Build It

Build It is Britain’s longest running self build magazine. Each issue is packed full of inspirational and informative readers’ homes, as well as expert advice on issues from budgets and planning to project management and design. This month: - Smart homes for every budget - Timber frame FAQ - Choosing outbuildings - How to maximise your mortgage chances - Guide to finding land