For high-net-worth individuals

Self-build mortgages

Realise your ambitions with private banking

Our self-build mortgage is structured around your initial build period followed by a standard mortgage product.

Client eligibility

Minimum yearly earnings of £300k
Minimum net worth of £3m
UK or South African resident

Benefits

Borrow up to 75% of property value

Tailored terms

Interest-only
Term of up to 2 years for initial build period followed by residential mortgage product
Loan is drawn in stages via bank-appointed quantity surveyor certificates
Minimum 10% of build cost is held as cash collateral

Learn more about our residential mortgage product.

Repayments and overpayments

There are no early repayment charges on self-build mortgages
Tracker rate during the build phase followed by a residential mortgage product

Fees and charges apply

To keep things simple, the same type of fees and charges apply to all our mortgages. See a detailed breakdown of fees and charges that may apply >

Your property may be repossessed if you do not keep up repayments on your mortgage.

Ready to discuss your mortgage options?

If you earn a minimum of £300,000 a year, have a minimum net worth of £3m and want an exceptional mortgage service that is designed to suit your individual needs, get in touch.

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We may use your personal data to provide you with services you request from us, or to manage your accounts, make decisions, detect and prevent fraud, fulfil any contractual relationship with you, undertake analysis and assessment, ensure that we comply with legal and regulatory requirements and/or for other purposes where in our legitimate interests.

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Property location

Self-build mortgages are only available for residential properties in England or Wales.

Residency

Our mortgages are available to UK and South African residents only.

Repossessions

The property may be repossessed if you do not keep up with repayments on your mortgage.

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