Self Build Mortgage
Steps to build your own home.
1. Use our Mortgage Calculator
1. Use our Mortgage Calculator
It’s quick and easy. To find out how much you can borrow, we take your income and monthly expenses into account with our mortgage calculator.
2. Financial Advisers
2. Financial Advisers
Arrange a meeting with one of our Financial Advisers to discuss the self-build process. Our experienced Advisers can explain everything and guide you through the whole process.
3. Engineer or Architect
3. Engineer or Architect
Get a certified professional affiliated with the relevant body on board to supervise your build so that it satisfies building regulations.
4. Planning Permission
4. Planning Permission
You need the full & final planning approval for the Grant of Permission before starting the build and before getting an official loan offer from us.
5. Site Valuation Report
5. Site Valuation Report
Before we can give you a full loan offer, you need to get a valuation report, to confirm the value.
6. Building Costs
6. Building Costs
Before sending in your mortgage application, you will need to submit a full costings report.
7. Construction Cover
7. Construction Cover
Get construction insurance in place to cover the build. Once the building is complete you need to change your home insurance policy to match the final structure, for example, family home or holiday home.
8. Stage Payments
8. Stage Payments
Your solicitor will ask for stage payments on your behalf so each phase from site purchase onwards has the necessary payment released. Once the building work is complete, we’ll need a final valuation report to pay the final stage.
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Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
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