Self Build — pricing factors (UK)
What lenders weigh when pricing self build cases — not live quotes. Use our calculators and speak to an FCA-authorised broker for firm-specific numbers.
Mortgage118 does not publish indicative rate bands. Lender pricing changes daily and depends on your profile.
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What lenders look at
These factors shape whether a self build case is accepted and how it is priced. They are not a quote.
- Strong financial position and credit history
- Adequate deposit and working capital
- Self-build experience or professional team
- Clear project feasibility and timeline
- Professional project management
- Suitable land with planning permission
For indicative numbers, use our mortgage calculators and compare brokers who specialise in self build.
What moves your rate up or down
These are the strongest factors lenders weigh when setting pricing.
- Staged funding releases as build progresses
- Specialist lenders with self-build expertise
- Flexible terms for various build methods
- Professional project monitoring and support
- Exit strategy flexibility
Fee breakdown
Common charges to plan for alongside the headline rate.
Arrangement Fee
Facility setup fee
1.5% - 2.5%
of total facility
Valuation Fee
Site and development appraisal
£1,000 - £3,000
specialist surveyor
Legal Fees
Facility agreement and monitoring
£1,500 - £3,500
plus disbursements
Monitoring Fee
Build progress inspections
£300 - £800
per drawdown
Broker Fee
Development finance arrangement
0.75% - 1.5%
on completion
Rate FAQs
Quick answers to common pricing questions.
What deposit do I need for self-build finance?+
Self-build finance typically requires deposits of 30-35% of the total project cost, including land purchase and construction costs. The exact amount depends on the project type, your experience, and the lender's criteria.
Can I get self-build finance for a property I plan to live in?+
Yes, self-build finance is available for properties you plan to live in, though you'll need to demonstrate your intention to reside in the property and may need to provide evidence of your plans.
Can I get self-build finance with adverse credit?+
Some specialist lenders may consider self-build finance for borrowers with minor credit issues, though the criteria may be stricter. You'll typically need a larger deposit and may face higher rates.
What documents do I need for self-build finance?+
You'll need planning permission, building regulations approval, detailed costings, professional team details, and evidence of your deposit. The exact requirements vary by lender and project complexity.
Can I get self-build finance for a property that needs renovation?+
Yes, self-build finance is available for renovation projects, though the criteria may be different from new builds. You'll need to demonstrate that the renovation meets all requirements and has appropriate facilities.
Can I get self-build finance for a property in a different location?+
Yes, though lenders may have preferences for certain locations or property types. You'll need to demonstrate that the property is suitable for self-build and that you can manage the project effectively.