Self-build Mortgages
Planning to build your own home? We have advisors who specialise in self-build mortgages and can guide you through the process, costs, and lenders most likely to say yes.
Self-build Mortgage Advice
A self-build mortgage is designed for people who want to build their own home rather than buy one. Unlike standard mortgages, the funds are released in stages as the build progresses. This reduces the lender’s risk and ensures the money is used for construction.
You’ll usually need a larger deposit than with a standard mortgage, often 20–25% or more. Lenders will also want to see detailed building plans, planning permission, and a clear budget for the project. Interest rates can be higher, but they often reduce once the build is complete and you switch to a standard mortgage.
At Online Mortgage Advisor, we have advisors who specialise in self-build mortgages. They understand how staged payments work, what documents you’ll need, and which lenders are comfortable with this type of borrowing. Their expertise gives you certainty and confidence as you move through each step of your build.
“Self-build mortgages are different from standard mortgages, with funds released in stages and stricter criteria. We explain the process clearly, help you prepare the right documents, and guide you to lenders who support self-build projects.”
Check your affordability
Use our calculator to see how much you could borrow for a self-build project.
Read our guides
Browse our self-build mortgage guides to understand deposits, stage payments, and eligibility requirements
Compare self-build mortgage deals
Use our comparison tool to view lenders currently offering self-build mortgage products.
Speak to an expert
Get matched with an advisor who specialises in self-build mortgages and knows which lenders are most likely to approve your project.
We have advisors who understand how lenders assess self-build projects and can help you prepare everything you need for approval. Make an enquiry today.
Our Guides
Expert mortgage guidance tailored for self-build projects.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Lenders will typically have a higher deposit of around 25% for a self-build mortgage.
Typically, they’re harder to get as your lender will need information on the building process of the property as well as performing the usual mortgage checks.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates.
They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.