We’re currently working on our BTL calculator in light of our recent criteria changes. We hope to have this back up and running soon but if you need any help in the meantime, please contact your BDM or the Helpdesk on 0330 123 1073.

Self build & renovation mortgages.

Self build made easy

Here’s what you need to know.

Come direct to us for your clients who are borrowing for new projects, conversions, renovations and knock down & rebuilds. We’re experts in self build and renovation mortgages and can help you every step of the way. Choose us for:

  1. Max 80% LTV for both purchase and remortgage, plus we will lend against the land value and consider cases where the build has started. (For a remortgage, applicants need to be the owner on the Land Registry.)
  2. Eco self build product, with lower interest rate and lower completion fee, for self builders and renovators aiming for EPC A or B.
  3. Clients benefit from flexible stage releases with no set stages, so they can access funds to suit their individual project.
  4. Interest only available during the build.
  5. Upon build completion your client can switch penalty free to one of our residential retention products.
  6. All self builders whose finished property is EPC A or B qualify for a lower interest rate follow-on product.
  7. Loans up to £2million, refer if over.

To be eligible for the eco self build product, applicants must intend to implement at least two of the following eco-features: photovoltaics, solar panels, air source heat pump, ground source heat pump, rain water harvesting, greywater collection, triple glazing, mechanical ventilation with heat recovery system, biomass pellet boiler, wind turbines, higher than usual levels of thermal insulation, geothermal heating, compostable toilet or electric car charging stations. These features will need to be evidenced in the plans/costings.

A self build overview from Andrew Sadler, Key Account Manager.

How it works

Self build application journey.

Whether it’s your first self build case or your twenty-first, we’re here to help every step of the way.

Here’s how it generally works:

  1. Take a look at our current products and lending criteria – or give us a ring.
  2. Complete our self build enquiry form with details of your case (it may also help your fact-finding with your client).
  3. Our business development team will assess the information, perhaps ask more questions, run affordability and may refer to underwriters, who may refer the proposed construction to our valuation partners.
  4. If given the green light, you may then like to submit a DIP.
  5. If accepted, you may then like to proceed to application. We’ll explain what documents we’ll need from your clients about the planned build including acceptable warranties or qualifications.


Your questions answered.

We can now accept an application within 6 months of land purchase, as long as your client shows as the landowner on the Land Registry prior to application.

We do not have any set criteria on when stage payments can be requested. We do need to have a good idea at application of the expected stages and amounts required, but we know that most projects do not run to plan! By employing a flexible approach we are able to consider releasing stage payments as and when they are most required. We have a minimum requirement of 2 stage payments, but no maximum. We can only release 1 stage payment per calendar month.

Typically, funds are required at certain benchmarks of the build such as completion of foundations, the building up to eaves level, when watertight and windows installed, fixtures and plastering.

We will lend on the value of the land, whether already owned or being purchased. If a knock down and rebuild, we would lend on the value of the land and need that to repay any existing borrowing so we always have first charge.

We can assess applications with outline planning permission, but will only be able to proceed with the case when full planning permission or Class Q is granted.

No, we are unable to accept custom self build applications.

We consider schemes utilising Modern Methods of Construction (MMC) where these are BOPAS-approved. We may also consider other unusual constructions and suggest you give us your clients plans and drawings at an early stage.

We can consider shared access cases if:

  • Relevant rights of access are in place at application
  • The conveyancer confirms to us relevant rights of access are set out in within the title deeds
  • At the point of completion the customer’s insurance policy must include legal cover and public liability cover, title insurance will need to be in place in the event of any boundary disputes and private road insurance must also be in place.

Full information can be found in our lending criteria.

We can consider applications where the land or plot has been gifted to the applicant by a family member. The name of applicant must show as the landowner on the Land Registry.

We will not lend where the land or plot has been gifted by a non-family member.

Yes. We need the title split prior to, or on, completion.

Our valuer will need to know exactly what the new title will look like when they are valuing the property.

We can assess applications with outline planning permission, but will only be able to proceed with the case when full planning permission or Class Q is granted.

We will need to include any ongoing rent and/or mortgage payments in our affordability assessment.

No as the builder will have their own such cover in place.

We need cover to be arranged for the expected open market value as advised by our Valuer. When our security is completed, and a standard home insurance policy arranged, cover needs to be for the re-instatement value.

Useful resources

Helpful information.

Self build budget planner


Self build warranty requirements


Packaging requirements


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