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Pocketmags Digital Magazines
Pocketmags Digital Magazines

Self-build mortgages: what you need to know

Securing the funding you need is a major part of self-building. Rebecca Foster summarises the essential information
This oak frame skeleton, erected by Border Oak (, was preengineered in the firm’s workshop before being delivered to site. If you are building with an offsite construction method, an advance stage payment mortgage could be a good fit as you’ll have to make a significant deposit to the frame manufacturer

Getting your finances in order is a key step in any major project. Some are lucky enough to have sufficient savings or equity in existing property to complete their schemes loan-free – but the vast majority of self-builders will need to take out a mortgage.

The homogeneous approach to lending adopted by most high street banks means they struggle to deliver funding for new bespoke homes. Step in self-build mortgages. Unlike standard products, these are tailored packages designed to release money in stages to fit the spending pattern and relative value of your project as it gets built. They’re typically available through specialist brokers such as BuildStore, which works with a range of banks and building societies.

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About Build It

The August edition of Build It magazine brings you all the inspiration & practical advice you need to complete your home building project on time and on budget, including: • A stunning self-build on a countryside plot (page 20) • 10 way to maximise light and space (page 62) • 7 lightweight cladding options (page 67) • Find out whether triple glazing makes sense (page 79) • How to rewire a period property (page 119) • Discover how to find land with real potential (page 123) … and more!