Self-Build Mortgages.

Building your own home lets you shape a property around how you actually want to live, instead of adapting to whatever is already on the market. A self-build mortgage works differently from a standard one. The money comes to you in stages as the build goes up, not as a single lump sum once it is finished.

The work runs in a set order: you buy the land, get planning permission, manage the construction, and draw down the mortgage at key milestones along the way. Lenders look at two things. First, whether you can afford the borrowing personally. Second, whether the build itself stacks up, which means checking your plans, your costings, and often the credentials of whoever is running the project. Our [borrowing calculator](/calculators/borrow-amount) is a good place to start working out what you could afford.

At Clearview Mortgage Solutions, we work with specialist self-build lenders who deal with these projects day in, day out. Our advisers help you structure the finance, plan out the stage payments, and keep the money flowing from the day you buy the plot to the day you move in.