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

Client eligibility

£300k

Minimum annual earnings of £300,000 required to qualify.

UK resident

Clients need to reside in the UK to be eligible.

Key features

We understand that your clients have unique circumstances, which is why we’ve made it simple to choose a repayment type, the length of term and the borrowing amount.

Tailored terms and repayment types
Flexible borrowing amount
Rates and overpayments

Tailored terms and repayment types

  • 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

Flexible borrowing amount

  • Minimum amount your client can borrow is £2m
  • We typically lend up to £10m and we may consider higher

Rates and overpayments

  • There are no early repayment charges for your client on self-build mortgages
  • Loaded rate during build phase followed by lifetime variable rate thereafter
  • There are no early repayment charges for variable rate mortgages

Our mortgage rates

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The fronts of different coloured British terrace houses

Important information

Property location

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

Residency

Our mortgages are available to UK residents only. 

Repossessions

The property may be repossessed if your client does not keep up repayments on their mortgage.

 

Consumer duty

Self-build mortgage product information sheet PDF 416.31 KB

Get in touch

If you're a mortgage broker and want to discuss how we can help your clients (minimum income £300,000) with their mortgage, contact us.

It all starts with a conversation

If you're a mortgage broker and want to discuss how we can help your high-net-worth clients (minimum income £300,000) with their mortgage, fill out your details below and we'll get in touch.

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Further information for mortgage brokers

Products

Residential mortgages

Buy-to-let mortgages

Revolving mortgages

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Mortgage rates and charges

Client application forms

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Consumer Duty

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