At BuildStore, our mortgage advisers understand what’s important in terms of getting the right mortgage for your self build home. Lenders will have certain criteria when it comes to your location, affordability, income & construction method you’ve chosen. It’s our job to source a lender with criteria that meets all of these stipulations.

Our number one priority will be your cashflow and ensuring sufficient funds are available, at the right time during your build. The lowest interest rate is of little consequence if cash isn't available when you need it, to pay for your bills. If you run out of cash during the build and can’t meet your payment terms, expensive issues and delays onsite are inevitable.

Your adviser will prepare a bespoke cashflow for your build, prepare and assess your build costs to ensure they are realistic, and ultimately source a mortgage that will deliver a completed home. Once we've done that, we'll look for the right deal for your individual circumstances.

Your interest rate should be seen as a short term cost (6 -18 months) to get you through your build, after which you have the option to switch onto the lender’s lower traditional mortgage rate or switch to another provider.

To keep costs low during your build, BuildStore's exclusive mortgage products offer interest only payments, and you will only pay interest on funds as they are drawn down.

A further benefit provided by BuildStore's exclusive mortgages is that you can continue to live in your current home during the build. Our panel of lenders all understand that you need to live somewhere during the build, whether that’s in your current home, renting or living onsite, and will therefore factor this into their affordability calculations.

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