Getting a self-build mortgage

Self-build mortgages are different from normal mortgages.

A lender will not give you all the money you need in one large sum. You get the money in stages as you complete the build.

This is to protect the lender in case your build is abandoned.

Financial advice

Only some lenders offer self-build mortgages.

An independent financial adviser can help find a suitable lender for you. Check how to get financial advice on the Citizens Advice Scotland website.

Check when the first payment will be made. Only some lenders offer payments when you’re buying a plot.

You may have to show the lender:

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