Self-build Mortgages

A self-build mortgage is different to a typical mortgage and Money Advice Clinic is here to help finance your project to assist with the build of your dream home.

Whatever the project, we’ll get you the right funding

With the ongoing demand and interest of self build homes, we are able to help you with many different types of projects:

  • Self Build and Renovation Mortgages
  • Knock down and rebuild
  • Custom Build Mortgages
  • Right to Build Mortgages
  • Development Finance
  • To sell or to let

We take care of all the paperwork involved and keep you informed as your application progresses.


The application and paperwork is organised on your behalf, and your dedicated adviser will work closely with you to ensure the funding stages are on track with your timeline.

You have two options in terms of funding stage payments for work undertaken:

  • Payments made in arrears up to 85% of cost involved
  • Payments in advance up to 95% of costs involved
Talk to a Mortgage Advisor

Here’s how a staged payment self-build mortgage works:

  • Stage Brick & Block Timber Frame Renovation/Conversion
  • 1 Brick & Block:Purchase of Land Timber Frame:Purchase of Land Renovation/Conversion:Purchase of Property
  • 2 Brick & Block:Preliminary costs & foundations Timber Frame:Preliminary costs & foundations Renovation/Conversion:Preliminary costs & structural overhaul
  • 3 Brick & Block:Wall plate level Timber Frame:Timber frame kit erected Renovation/Conversion:Wind & Watertight
  • 4 Brick & Block:Wind & Watertight Timber Frame:Wind & Watertight Renovation/Conversion:Plastering & Services
  • 5 Brick & Block:First fix & Plastering Timber Frame:First fix & Plastering Renovation/Conversion:Second fix to completion
  • 6 Brick & Block:Second fix to completion Timber Frame:Second fix to completion  

Each case is underwritten differently and is dependent upon your circumstances.

Evidence of capital to fund projects is required and if assistance is needed to raise finance from another property to assist with your project, we can also help with this.

Make An Enquiry

Looking to improve your finances? Get in touch and discover how one of our personal money workout programmes can help.

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We have worked with Paul for many years when we have needed support and advice regarding our mortgage. Paul is impartial, knowledgeable, efficient and always manages to find us the best product. We have no hesitation in recommending Paul to anyone looking for mortgage advice.

Mr and Mrs FinchChorley

Paul explained the process in a way that was easy to understand, he kept in contact throughout the re-mortgage process . Paul saved me money and I’m extremely grateful for his help. A friendly, professional service with that all important personal touch.

Miss GwynneSouthport

Thanks to Paul I more or less have an interest free mortgage from the offset mortgage he arranged for me. A solution that was perfect for my circumstances and the advice was very much appreciated.

Mr PedleyPreston

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.