Self Build Finance

How We Work

Guidance You Can Rely On, Advice You Can Trust

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Plan Ahead

Your mortgage should fit your future plans, not just today.

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Funding to Build Your Home, Your Way

Building your own home is an exciting opportunity to create a property tailored exactly to your needs. Self Build Finance is designed to support individuals constructing their own residential property, whether from the ground up, as a conversion, or through a knock-down and rebuild project.

Unlike standard mortgages, self build finance releases funds in stages as construction progresses. This helps manage cash flow throughout the build and ensures funding aligns with key milestones. The structure can be arranged to suit your build schedule, contractor arrangements, and long-term plans.

We work with specialist lenders who understand the complexities of self build projects, helping you secure funding that supports both your vision and your budget - from purchasing the land through to completion.

Expect a seamless, straightforward, and stress-free journey.

Expect a structured, supportive, and well-managed funding process. From assessing your build plans and budget to arranging stage payments aligned with your construction timeline, every step is carefully guided — ensuring your project progresses smoothly from land purchase through to completion and move-in.

12000+

Mortgage Products

100+

Mortgage lenders

100%

Tailored service

30+

Available insurers

FAQ's

Frequently Asked Questions

What is self build finance?

Self build finance is a mortgage designed for individuals constructing their own property. Funds are typically released in stages as the build progresses.

How are funds released?

Money is usually released in agreed stages, either at the start of each build phase (arrears stage payments) or at the end of each stage, depending on the lender.

Do I need to own the land first?

Not necessarily. Some lenders can fund both the land purchase and the build costs as part of the same facility.

How much deposit is required?

Deposit requirements vary depending on the lender and project, but you will typically need a contribution towards the land and/or build costs.

Can I use self build finance if I’m using contractors?

Yes. Self build finance can be arranged whether you are managing the project yourself or using professional contractors.

What happens once the build is complete?

Once the property is finished and signed off, the self build mortgage typically converts onto a standard residential repayment basis.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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