Interest rates and fees can sometimes be higher due to the specialist nature of self-build lending, although costs vary significantly between lenders and projects.

The build phase typically lasts until construction is completed, after which the mortgage often converts to a standard residential mortgage product.

Yes. Many lenders support sustainable and energy-efficient self-build projects, including homes incorporating renewable energy technologies.

This type of self-build mortgage releases funds before each stage of construction begins, helping with cash flow during the build.

Many self-builders undertake some work themselves, but lenders will usually want reassurance that the project can be completed to the required standard.

In most cases, lenders will expect planning permission to be in place before issuing a formal mortgage offer.

Yes. Some lenders will consider first-time buyers, although they may require additional evidence that the project is realistic and affordable.

Most lenders require a deposit, although the amount varies depending on the project and lender. Larger deposits may provide access to a wider range of products.