Search Private Finance

phone email

Request a call back from an expert

    I consent to receive other communications from Private Finance.

    What our clients say

    Access our Official Guide to Self-Build Mortgages

    Packed with everything you need to get your project off the ground:

    • Overview of self-build mortgages
    • How the funding works for a self-build mortgage
    • How to apply for a self-build mortgage
    • Benefits and disadvantages of self-build
    • Our top tips for prospective self-builders
    Take me to the guide

    Specialist Self-Build Mortgage Team

    Self-build mortgages can be tricky to navigate without the right guidance. Private Finance offers specialist advice for self-build mortgages and has a suitable range of contacts to match you with the right lenders to get your project off the ground.

    Here are some of the reasons why thousands of clients trust us with their mortgage needs for over two decades:


    We’re an independent, whole-of-market broker using over 175 different lenders, with strong ties to high-street lenders, private banks and specialist providers. That means we’re optimally positioned to find the right mortgage solution for you.



    From mortgage broking to wider financial markets, our consultants have a strong, holistic understanding of the financial markets. They’ll use this expertise to understand the nuances of your situation – and tailor a solution that works for you.


    With an average rating of 4.97/5 from more than 1,800 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process, so that you can stay focussed on your day-to-day.

    Speak with a mortgage expert   | Call us on 0800 980 8777 or Arrange a call back or

    Self-Build Mortgages FAQ

    • What is a self-build mortgage?

      A self-build mortgage is a type of loan which is taken out to fund a property build you are completing yourself, rather than purchasing a property that has already been built.

      Funding is provided at various stages of the construction process, allowing the borrower to gradually draw down the funds as the project progresses.

    • Why a traditional mortgage won’t work?

      Self-build mortgages differ in a number of ways to a standard residential mortgage, largely in the way they are funded.

      With a traditional mortgage, the money that is being borrowed is released on the day of completion as one lump sum. This is not suitable for self-builders as funding is required at different stages of the build to finance the project as it moves forward.

    • What are arrear and advance stage payments?

      There are two types of stage payments available: arrears and advance payments. This determines whether the mortgage payments are made to you either before or after a certain stage is completed.

      Typically, stage payments will be released in arrears of work being complete. A valuer shall be instructed prior to each stage being released to ensure progress is being made and the end value is still on target.

      For Arrears Stage Payments, the funds are released after each stage of the build and these payments are not guaranteed. This is a suitable option if you have savings or access to alternative funding.

      For Advance Stage Payments, the funds are released before each stage of the build and are guaranteed. This can help ensure your funds are secured, purchase material beforehand and reduce the risk of running into cash flow issues.


    Private Finance