Self-Build Mortgages
Funds released at each build stage, not as a single lump sum — self-build mortgages work differently.
Why self-build?
Building your own home can be one of the most rewarding ways to get onto the property ladder or create your dream home. Self-build mortgages work differently from standard mortgages because the funds are released in stages as the build progresses, rather than as a single lump sum on completion.
The process involves buying land, obtaining planning permission, managing the construction, and drawing down mortgage funds at key milestones. Lenders assess both your personal affordability and the viability of the build project, including detailed plans, costings, and often a project manager’s credentials. Our [borrowing calculator](/calculators/borrow-amount) can give you a starting point for understanding what you could afford.
At Clearview Mortgage Solutions, we work with specialist self-build lenders who understand the unique challenges of building your own home. Our advisers will help you structure the finance, navigate the stage payments, and keep the project on track from plot purchase to moving in.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our self-build calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Self-Build mortgages
A guide to self-build mortgages
Everything you need to know about financing a self-build project, from land purchase to moving in.
ReadStage payments explained
How self-build mortgage funds are released at each construction milestone, and the difference between arrears and advance stage payments.
ReadFinding land for a self-build
How to find building plots, assess their suitability, and finance the purchase before construction begins.
Read
Frequently asked.
Most self-build lenders require a deposit of at least 25% of the total project cost, which includes both the land purchase price and the estimated build costs. Some specialist lenders may accept lower deposits, particularly if you already own the land outright. The value of owned land can count towards your deposit.
Talk to a specialist.
self-build mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.