• UK Self Build Mortgages

    Finding the right Self Build Mortgage is vitally important
    to the success of your self build project so UK Self Build
    Mortgages provides:

    • Self Build Mortgages from the Whole Market
    • Finance Up to 100% of the Build Cost
    • Clear, understandable Self Build Finance  advice

    Whether you’re building for yourself or for profit
    UK Self Build Mortgages will go the extra mile for you.

    Get a Quote
  • Development Finance

    UK Self Build Mortgages provides access to specialist guidance from advisors with a wealth of experience in the area of development finance

    Benefits include:

    • Tailored solutions to suit your individual needs
    • Large development loans
    • Short term finance schemes
    • All projects considered
    Get a Quote
  • Renovation and Conversion Projects

    Renovation and Conversion projects are heavily reliant
    on having the right type of finance in place. UK Self Build
    Mortgages provide:

    • Renovation Loans for almost all types of property
    • Renovation Mortgages from the Whole Market
    • Simple, Straightforward Advice on what’s best for you

    No matter whether renovating or converting for yourself or for profit, UK Self Build Mortgages can help!

    Get a Quote
  • Commercial Finance

    With access to possibly the widest panel of lenders, private finance and lender relationships built up over many years, we are ideally placed to meet your commercial financing needs.

    Some benefits:

    • Unmatched lender panel to get the best possible fit for you
    • Low interest rates available
    • Loans for factories, offices, warehouses, etc
    • Fast decisions – same day possible
    Get a Quote
  • Buy to Let Finance

    With Buy to Let lending criteria being so stringent, the wealth of advice available to you could prove invaluable.

    Some Buy to Let Options:

    • Single / Portfolio finance available
    • HMO Properties accepted
    • High loan to value deals
    • Competitive interest rates
    • Commercial Rentals
    Get a Quote
  • Bridging Finance

    Bridging finance is often the difference between achieving your desired aims, or falling at the first hurdle.

    Some Bridging Finance Options:

    • Rapid decisions and access to funds
    • Borrow from £25,000 to £10 million or more
    • Negotiable – individual terms and conditions can be agreed
    • Wide choice of providers
    Get a Quote

Welcome to UK Self Build Mortgages!

A mortgage advice & arrangement service for Self Build, Development, Commercial, Renovation, Conversion, Bridging and BTL mortgage finance from the whole market!

Self Build Mortgage Finance

If you could fund the purchase of the land as well as the build costs, would you build your own home?

This is becoming a reality for more and more people each year as Self Build Mortgages are now readily available. These loans are provided as advanced stage payments with funds to purchase the land and enough to complete the build paid out in advance of each stage.

The initial release covers the purchase of the building plot and sufficient to complete the foundations. Confirmation of Stage 1 completion then triggers the funds to complete Stage 2 of the self build and so on up to final completion.

Where there is no need for advanced stage payments, a traditional self build mortgage with stage payments made in arrears can provide access to a wider variety of products including some exclusive deals.

Self build mortgages are a complex area of finance, and so speaking to an adviser who specialises in this type of finance can pay dividends in the smooth running of your project.

To help you make the right choice contact us today

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Development Finance

UK Self Build Mortgages offers specialist guidance from advisors with a wealth of experience in the area of development finance and construction funding.

Funding for up to 100% of the land costs and up to 100% of the development costs can be available with additional security.

Our Development Finance has the following features:

  • All projects considered
  • Joint Venture schemes
  • Short term finance schemes
  • Large development loans
  • Experienced or inexperienced developers
  • Wide range of solutions
  • Exclusive products and competitive fees
  • Expert knowledge of lending criteria and strategies
  • Tailored solutions to suit your individual needs
  • Rapid decisions
  • Exit Routes
To help you make the right choice contact us today.
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Commercial Mortgage Finance

Commercial mortgages and commercial development finance is something we excel at. Whether you are looking to purchase a property to run your business from, purchase an investment property, or simply wish to refinance your existing property, we provide access to a compehensive panel of commercial lenders and funding solutions.

Some specific features of our service:

  • Access to finance from £26,000 to £50 million and above
  • Terms of up to 25 years
  • Lending from 75% - 85% loan to value with 100% possible with additional security.
  • Interest only repayment option
  • Fixed commercial mortgage rates available
  • Commercial mortgage rates from 2.25% over Bank of England base

Just a sample of property types acceptable as security:

  • Industrial units
  • Hotels
  • Guesthouses and b&bs
  • Holiday Letting
  • Farms
  • Restaurants
  • Pubs
  • Shops plus flats above
  • Student Accommodation
  • HMO's
  • Warehouses and Factories
  • Offices and Office Blocks

Don't worry if you are unable to find your property type listed - this a just a small example of regular property types used as security.

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Renovation Mortgage Finance

For some converting an old barn or renovating a derelict farmhouse provides the perfect opportunity to get a dream house at an affordable cost.

One challenge faced is that only a selection of mortgage lenders lend on properties that are uninhabitable or above the current value.

Fortunately, through UK Self Build Mortgages, Renovation and Conversion Loans are available to assist with the purchase of the property and the renovation or conversion project costs upfront.

Renovation Mortgages >>

Bridging Finance

Here at UK self Build Mortgages we provide access to fast and flexible bridging finance solutions to meet a wide selection of short term needs.

Bridging finance can be the ideal solution when funding is required quickly and there is a clear exit route planned for the bridging finance repayment at the end of the term whether that be sale of property, or the arrangement of alternative finance that we can assist with.

Typical uses for bridging finance could be:

  • Purchase of a property/ies at auction.
  • Cash flow support over the short term.
  • Developments of residential or commercial properties.
  • Funding property conversion and refurbishment.
  • Funding the below market value purchase of Buy to Let property (up to 100% of purchase price).
  • Prevention of repossession .
  • Land acquisition.
  • Property sale fallen through and unable to delay purchasing another property.
  • Divorce settlement.
  • Avoiding bankruptcy.

Typical Features of Bridging Finance are:

  • Terms that go from 1 day up to 12 months.
  • Up to 75% Loan to Value on residential property.
  • Up to 65% Loan to Value on commercial property.
  • Finance that covers from £50,000 to £5 Million.
  • Interest payments deducted from the advance or rolled up.
  • Interest Rates from 0.75% per month.
  • Security accepted in the form of Residential and commercial property.
  • Borrow against open market value.
  • Some products with no exit fees.

Let us help you make the right choice and contact us today.

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Buy to Let Mortgage Finance

With lending depressed in the housing market and a buoyant rental market throughout the UK, lenders have an increased desire to offer attractive criteria for Buy to Let properties.

Here at UK Self Build Mortgages we offer access to a wide selection of finance options tailor made to meet the requirements of both professional landlords and first time landlords looking to build up their portfolios.

With access to hundreds of different Buy to Let mortgage products, specialist funding solutions, and refinancing deals we can ensure you receive the specialist advice you need along with access to a competitive product that meets your needs.

  • Buy to Let Criteria and finance solutions include:
  • Up to 85% Loan to value.
  • Interest only repayment options
  • Beneficial rental calculations
  • Rates from 2.99%
  • Adverse credit histories considered
  • Selected plans with no personal income references required.
  • Commercial premises with flat above.
  • HMO's - Homes in Multiple Occupation
  • Commercial / Company lets.
  • Expat Landlords
  • Property portfolio finance restructuring .
  • Properties converted into flats.
  • Expatriate landlords.
  • Limited company purchases and remortgages.
  • Holiday homes.
Read More >>

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UK Self Build Mortgages acts as an introducer to authorised and regulated advisers. The UK Self Build Mortgages website is free to use but we may receive commission for introductions that result in the arrangement of a regulated or non regulated financial product.

The information on this site should not be considered financial advice and is for information purposes only.

Commercial and Buy to Let Mortgages are not regulated by the Financial Services Authority

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