If you have a client planning to build their own home, our flexible self-build mortgages can help bring their plans to life.
Available across England, Wales and Scotland, we offer specialist self-build mortgage solutions designed to support self and custom build, renovation and conversion projects from the first stage of construction through to completion.
Mortgages exclusively available through BuildLoan
We work exclusively with BuildLoan – the UK’s leading self-build mortgage specialist dedicated to intermediaries.
With BuildLoan, both your clients and our team benefit from an independent review of build costs before an application is submitted. This helps make sure funding is aligned to the project’s needs from day one, giving everyone greater peace of mind.
Their support also allows us to offer more flexible lending solutions, including higher LTVs and LTCs, cost-based lending, and advance stage payments to optimise your client’s cashflow and make sure they have the money they need at the right time to get their build finished.
BuildLoan’s Build Monitoring service keeps us updated on progress and helps spot any potential issues before they become bigger challenges.
And if challenges arise during the build, BuildLoan works collaboratively with us and the broker to identify solutions, support the client, and keep the project moving forward.
| We’re proud to have been named Best Self-Build Lender at the 2025 Build It Awards. Here’s what one of our customers said on Smart Money People:
“We took out a self-build mortgage with Mansfield Building Society. Their customer service prioritised our case as it had become urgent and everyone we spoke to was incredibly helpful and did everything they could to assist at every step.” |
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If your client needs a self-build mortgage backed by our flexible criteria and award-winning service, submit an enquiry through BuildLoan today.
Definitions
1. Initial Rate
The Initial Rate is the rate available during the initial term of the mortgage. Once the initial rate term has expired, the mortgage will either revert to our Standard Variable Rate (SVR), or a follow-on rate that is a discount off our SVR. Our SVR is set by us and is currently 8.04%, as a variable rate it may go up or down.2. Overall Cost for Comparison
The Overall Cost for Comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all charges incurred relating to the mortgage. The APRC is intended to help you as a borrower compare the interest rates on different products.3. Max LTV
Like all other mortgage lenders, we will allow you to borrow against a proportion of the overall property value. This is known as Loan to Value (LTV) and is expressed as a percentage. For example, if you want to purchase a property at £100,000 and you would like to borrow £85,000, then you will need a mortgage available at 85% Loan to Value (LTV). The available LTV can vary depending upon the type of mortgage. Shared Ownership mortgages will offer two percentages under LTV - the proportion of the property value and the proportion of the share being purchased.Your home may be repossessed if you do not keep up repayments on your mortgage
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