We provide specialist advice on self-build mortgages for clients looking to design, build, or extend their own residential property. Self-build mortgages are designed to fund construction in stages, helping clients manage cash flow while ensuring the project meets lender criteria.

We work with lenders experienced in self-build projects to help structure finance that aligns with project scope, timelines, and exit strategies.

All advice is provided subject to current lender criteria and individual circumstances.

Our Self-Build Mortgage Services Include

  • New Builds

    Funding for constructing a residential property from scratch on a plot of land.

  • Extensions & Conversions

    Mortgages to fund substantial extensions, loft conversions, or conversions of existing properties into new dwellings.

  • Limited Company & SPV Borrowing

    Advice for investors using Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.

  • Stage Payments & Drawdowns

    Finance released in stages, linked to agreed construction milestones to manage project cash flow.

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Our Self-Build Mortgage Services Include

Self-build mortgages are typically structured with:

An initial advance for land purchase (if applicable)

Staged drawdowns tied to completed construction milestones

Interest either rolled up or serviced during the build period

Loan term aligned with project completion and planned mortgage exit

A clear completion and exit plan is required by lenders.

How Self-Build Applications Are Assessed

Applications are assessed on:

Property design, build plan, and construction timeline

Cost estimates and project budget

Builder or project management experience

Borrower financial position and track record

Exit strategy (e.g., remortgage to standard residential mortgage or sale)

Independent valuations and monitoring surveys are typically required.

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Important Self-Build & Risk Disclaimer

Self-build projects carry higher risks than standard residential purchases. Delays, cost overruns, or planning issues may affect project completion and lender approval.

We do not provide legal, planning, construction, or tax advice and recommend clients seek independent professional advice before proceeding.

Why Use a Specialist Self-Build Broker

Self-build mortgages are often bespoke and require careful planning and lender coordination.

We provide access to specialist self-build mortgage lenders, guidance on stage payments and monitoring requirements, advice throughout the application, construction, and completion phases, and support in planning exit strategies and remortgage options.

All lending is subject to lender underwriting, valuation, and monitoring.

Who We Work With

We work with:

  • First-time self-builders
  • Experienced property investors undertaking self-build projects
  • Limited company or SPV borrowers
  • Clients building, extending, or converting properties

Each case is assessed individually and not all applicants or projects will qualify.

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Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your loan.
Self-build mortgages are subject to lender criteria, valuation, and monitoring requirements.
Rates, fees, terms, and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

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

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

Lawson Financial Ltd is a broker and not a lender

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

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.