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When it comes to a home building project there are so many more considerations. For example buying and paying for your land, cashflow, build costs, construction type, planning permission, affordability and where you’ll live during the build can all impact on your finances .Let our experts guide you through the process.
Book Appointment
All lenders have different self-build criteria, so it’s important to speak to an expert who can look at your project individually and find the right finance, both for your project and your personal circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Step 01
We can help you work out your budget and how much you can borrow for your build. They will also tell you the required documents for a self build mortgage.
Step 02
Make sure you have ownership of your site, planning permission costings for your build.
Step 03
Visit your adviser with all of your details and documents and apply for your self build mortgage.
Step 04
Once your mortgage is approved you can start your building. It is important to ensure you have all the relevant protection in place at this stage to protect yourself and your home as its being built.
Step 05
As your build progresses your mortgage will draw down in “stages” to pay for each stage as you go.
Step 06
When you home is completed and your Building Control approval is received your mortgage’s final stage can be drawn down. Make a date in your diary for when your mortgage is due for review!
HOW MANY PEOPLE ARE APPLYING?
Applicant 1
This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.
This is based on income multiples only and may be affected by your outgoings.
Use our quote tool to find out what monthly repayments may be or book an appointment so we can check exactly how much you can borrow and your eligibility for a mortgage with top mortgage lenders.
This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.
By answering a few more questions, we can check exactly how much you can borrow (and also check your eligibility for a mortgage) with top mortgage lenders.
These results are for a repayment mortgage and are only intended as a guide based on income multiples, not taking into account your specific circumstances. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from a member of our team before committing to any mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage
Your credit rating can affect your ability to get a mortgage. Have a read to find out how you can check or improve yours.
Get StartedWe believe using a mortgage broker is more beneficial than going directly to a lender. Purchasing a house is likely to be one of your biggest, long term financial commitments so it’s important to get it right.
Get StartedWith increasing pressures on the NHS you may have seen a lot written about Private Medical Insurance (PMI) in the press, read more here.
Get StartedLife Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die.
Get StartedBuilding insurance is a legal requirement to most mortgages, we can help you get this in place.
Get StartedDon’t just take our word for it, see what our customers have to say.
First class experience from my very first anxiety filled meeting - Kris immediately made me feel at ease and answered all my questions and helped a massive amount. Both himself and Harry were really personable yet professional and really went the extra mile. A pleasure to have these gents assist in a milestone moment of life!
Joanne and Victoria were fantastic, friendly and always helpful, they gave us all the support we needed to guide us through the mortgage application process. We were able to come to them with any issue and it was always resolved ASAP! We couldn't recommend them more to anyone looking to get a mortgage and understand the house buying process.
The reviews shown above have been gathered and displayed directly through third party review listings and have not been verified by SJP.
We'll do the hard work to find your perfect mortgage.
IQ&Co provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.
