Self Build

Self build allows you to create a home that perfectly suits your lifestyle, both in terms of practicality and design. Most opportunities encompass a stand-alone plot, which may or may not have services in place, where you facilitate the build - with as much or as little involvement as you like.

You might manage the build and complete the majority of the works on a DIY basis, appoint a professional project manager and main contractor, or instruct a package company to complete everything on your behalf,

Whatever route you choose, your home will be paid for in stages throughout the build, so a specialist stage payment mortgage is likely to be most suitable. Find out more

Custom Build

Custom build plots tend to be on multiple home sites. The plot will come fully serviced and ready to build on and the build will be facilitated by a developer.

Depending on the site, you might work with an architect and main contractor to design and build your new home, you might opt to have the developer onsite build the property to wind and watertight and then be responsible for fitting out the interior, or you could choose a full turnkey solution where you're involved in the design stage and the developer does the rest.

Whatever route you choose, you'll own the property as it's being built and so will pay for it in stages , which means you will require specialist funding. Find out more

Property Renovation

Renovating an existing property, whether you're carrying out limited repairs and redecoration or a full refurbishment could be the most cost effective way to get the home you want in the area you want.

It's likely that you'll need specialist finance as traditional lenders will not lend where the property is not habitable, and where they would lend, your borrowing is capped to 80-95% of the property's current value. Find out more

Property Conversion

Converting an old barn, church or industrial building into your family home is a real opportunity to be creative and create a truly unique property, as the key is to retain the building's existing characteristics and individual features.

As the property will be deemed as not habitable, a traditional mortgage won't be an option here, you'll need a more specialist approach. Find out more

Home Improvements

Improving your current home is a great way to avoid the upheaval and cost of moving, while creating more living space and adding value to your property. Anything from installing a new kitchen or bathroom, to completely redecorating a property can be classed as a home improvement project - with more extensive works being a full renovation, extension, basement or loft conversion,.

Remortgaging could be an option for minor improvements, although your borrowing is limited to 80-90% of your home's current value, and most traditional lenders will not lend where major structural works are being carried out - hence why specialist funding will be required. Find out more

Property Development to Let or Sell

If you're looking to refurbish, renovate or convert an existing property, or build a new one for profit, you'll require specialist funding.

A short term development loan secured against the project would be a suitable borrowing option, as would a bridging loan against an existing property you own - both can be used to purchase the property and complete the necessary works.

Development and bridging finance can be arranged through BuildStore Development Finance (a trading style of BuildLoan Limited) and your BuildStore mortgage adviser can refer you to a member of the Short Term Funding Team.

Remortgage

Hang on - that's not a project type? True - but we just want to make you aware that BuildStore's mortgage advisers are a dab hand at organising remortgages, buy to lets and even mortgages for house purchase too. At the end of your build project, we'll also remortgage you and ensure that you're on the most competitive rate. And, that's not all - we'll continue to follow up with you on a regular basis to make sure you continue to save money on your mortgage by ensuring you are on the lowest possible rate. With BuildStore, you will have a trusted mortgage adviser who fully understands your financial needs. Find out more