Prepare the file

Self-build evidence

Self-build funding usually follows the build in stages. The plot, the permission and a build cost you can evidence come before a finished-house mortgage.

Do you own the plot, or are you buying it?The plot purchase and the build are often two facilities.
Planning permission and plansFull permission, not a hope of permission.
Build cost breakdownA builder's tender or a quantity surveyor's figure. A round number is not a budget.
The warranty the finished house will haveLenders and the end mortgage often want a named warranty.
Where you will live during the buildThat cost is a commitment for the months of the project.

What this page will not do

This page does not arrange stage releases.
A renovation of a house you already own is the renovation page.
It will not name a lender, a product, or an approval chance.

Questions

Can I use the repayment calculator?: Yes, for an illustration of the finished loan. It does not model stage interest.
Do you guarantee the build cost?: No. Costs move. The tender is your evidence, not ours.

MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

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

Want a broker to look at your own numbers?

An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.

Speak to a broker experienced with self-build