Specialist Self Build Mortgages – Finance Your Home Build Project
A self build mortgage is different from a standard mortgage – funds are released in stages as your project progresses. At Crane Financial, we’ll guide you through the process, find the right lender, and support you from land purchase to the final brick.
Some forms of Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
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Self Build Mortgage Advice
Financing a build requires careful planning and the right lender. We’ll help you:
- Secure funding released in stages to match your build schedule.
- Arrange finance for land purchase and construction.
- Understand planning permission and building regulations requirements.
- Compare lenders who support self build projects.
- Protect your project with suitable insurance and cover.
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This information is a guide only and should not be relied on as a recommendation or advice that any particular Mortgage product is suitable for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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The Self Build Journey
Your path to building your dream home, simplified:
- Plan Your Build – Discuss your land, budget, and project goals.
- Find the Right Lender – We compare specialist lenders who fund self builds.
- Stage Payments Released – Funds are paid out as your build progresses.
- Completion & Beyond – Move into your new home with continued support from us.
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Frequently Asked Questions
Detailed plans, costings, planning permission, and proof of income are usually required.
Tip: Having professional drawings and permissions upfront strengthens your application.
Yes, but repayments are based only on the funds released at each stage.
Tip: Some lenders offer interest-only during the build to ease cashflow.
Typically 25–30% of the project cost, though requirements vary by lender.
Tip: The more detailed your budget and costings, the smoother the approval process.
Yes – many lenders allow part of the loan to be used for land purchase.
Tip: You’ll usually need planning permission in place before funds are released.
Instead of one lump sum, funds are released in stages to match your construction timeline.
Tip: Lenders may release funds after each stage is completed, so cashflow planning is essential.