Self build mortgage
A self-build mortgage provides funding in stages for building your own home, whether you're an experienced builder or a first-timer.
Clever Mortgages is now part of Oak Mortgages Limited.
Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.
👉 Discover more about us at www.oakmortgage.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 48 reviews Posted on Martyn WatkinsTrustindex verifies that the original source of the review is Google. Very good communication.Always got back to queries promptly.Posted on Adam ParkerTrustindex verifies that the original source of the review is Google. A pleasure to deal with from beginning to end. Amazing team thank you 👏🏼Posted on Emma GibbonsTrustindex verifies that the original source of the review is Google. Sarah and the team at Oak Mortgages are excellent. They made the process of settling the help to buy/remortgaging simple and helped me every step of the way. Thank you Sarah I will definitely be a returning customer!Posted on Sarah BallaamTrustindex verifies that the original source of the review is Google. Such a fantastic service. It’s the second time I have used the team to help with my mortgage and they have been brilliant both times. I will continue to use them in the future! Would recommend to anyone.Posted on Steve RosserTrustindex verifies that the original source of the review is Google. Many thanks to Vicki for your help securing an improved rate renewal for our buy-to-let mortgage.Posted on Maria da CostaTrustindex verifies that the original source of the review is Google. I want to say a massive thank you to the whole team at Oak Mortgage for helping me through my Right to Buy journey. When other brokers couldn’t assist due to the negative impact on my credit score, Oak Mortgage stepped in and truly made a difference. A special thank you to Vicki and Ashleigh for supporting me throughout this challenging process. They made everything run smoothly and far less stressful. They arranged everything in place for me so I would never feel unsupported or hopeless. From the very beginning right through to completion, they were there — guiding, explaining, and always keeping me informed and updated. I also want to extend my gratitude to Ashley, who helped me arrange my life insurance with patience and professionalism. I highly recommend Oak Mortgage, especially to anyone struggling or feeling like they’ve run out of options. They genuinely go the extra mile to make things happen. You are all incredible — thank you for helping me achieve my dream of owning my home! I AM VERY HAPPY!!!Posted on Bethany DaviesTrustindex verifies that the original source of the review is Google. We worked with abby and simone after thinking we couldn't get a mortgage. Oak mortgages secured us a reasonable mortgage and even after this helpped us untill completion.Posted on Lee EvansTrustindex verifies that the original source of the review is Google. Fantastic from start to finish. Easy to talk to, made the process easier as they did all the hard work. Very efficient and will definitely be using them again. Shout out to Sarah, Vicki & Ashleigh.Posted on Jessica Nicole O HaraTrustindex verifies that the original source of the review is Google. Claire gave us hope when we had none. She was patient and gave us great advice. She managed to get us a mortgage with Halifax at a brilliant rate! Our purchase was not an easy road either as we were buying my relatives out on my late grandparents house which was very messy but Claire was supportive all the way. Would highly recommend.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Self build mortgage –
helping you to secure finance to build your own home
If you’re planning on building a property, you’ll need to take out a self-build mortgage, which provides funding at various stages of development – rather than in one lump sum. Whether you have built several properties before – or planning your first self-build to construct a new dream home, we could help secure a mortgage that’s right for you.
There are different ways in which this money can be released and your choice of product will depend on your own particular circumstances. This is why it is better to speak to us as early in your project as possible.
- Mortgages available from £25,000 to £2million
- Finance available for all types of build, including brand new houses on undeveloped land, rebuilds and homes within the grounds of your existing property
- We may be able to help even if you have bad credit
Mortgage application process
4 simple steps for applying for a mortgage. See more about the mortgage application process here
Complete our
pre-qualify form
Let us know a few details about the mortgage you require
A mortgage specialist will call
One of our brokers will call and get a few more details of your requirements
We search for your perfect mortgage
We will search the market for the best rates for your circumstances
A Decision in Principle is made
We will secure a DIP with a lender, if you approve we move forward with a full application.
Whatever your mortgage goal, there will be something for you
We're on a mission to save you money on your remortgage
- Over 100 lenders
- Personalised Advice Service
- 1000s of product and access to exclusive products.
- Tailored recommendations to your individual needs.
- We do the application on your behalf
- Secure Online Portal for document upload
- We liaise with all parties on your behalf
- Helping you even where others have said no.
- Excellent Reviews
Arrange a callback
Below are some of the lenders we work with















Clever Mortgages is now part of Oak Mortgages Limited.
Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.
👉 Discover more about us at www.oakmortgage.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 48 reviews Posted on Martyn WatkinsTrustindex verifies that the original source of the review is Google. Very good communication.Always got back to queries promptly.Posted on Adam ParkerTrustindex verifies that the original source of the review is Google. A pleasure to deal with from beginning to end. Amazing team thank you 👏🏼Posted on Emma GibbonsTrustindex verifies that the original source of the review is Google. Sarah and the team at Oak Mortgages are excellent. They made the process of settling the help to buy/remortgaging simple and helped me every step of the way. Thank you Sarah I will definitely be a returning customer!Posted on Sarah BallaamTrustindex verifies that the original source of the review is Google. Such a fantastic service. It’s the second time I have used the team to help with my mortgage and they have been brilliant both times. I will continue to use them in the future! Would recommend to anyone.Posted on Steve RosserTrustindex verifies that the original source of the review is Google. Many thanks to Vicki for your help securing an improved rate renewal for our buy-to-let mortgage.Posted on Maria da CostaTrustindex verifies that the original source of the review is Google. I want to say a massive thank you to the whole team at Oak Mortgage for helping me through my Right to Buy journey. When other brokers couldn’t assist due to the negative impact on my credit score, Oak Mortgage stepped in and truly made a difference. A special thank you to Vicki and Ashleigh for supporting me throughout this challenging process. They made everything run smoothly and far less stressful. They arranged everything in place for me so I would never feel unsupported or hopeless. From the very beginning right through to completion, they were there — guiding, explaining, and always keeping me informed and updated. I also want to extend my gratitude to Ashley, who helped me arrange my life insurance with patience and professionalism. I highly recommend Oak Mortgage, especially to anyone struggling or feeling like they’ve run out of options. They genuinely go the extra mile to make things happen. You are all incredible — thank you for helping me achieve my dream of owning my home! I AM VERY HAPPY!!!Posted on Bethany DaviesTrustindex verifies that the original source of the review is Google. We worked with abby and simone after thinking we couldn't get a mortgage. Oak mortgages secured us a reasonable mortgage and even after this helpped us untill completion.Posted on Lee EvansTrustindex verifies that the original source of the review is Google. Fantastic from start to finish. Easy to talk to, made the process easier as they did all the hard work. Very efficient and will definitely be using them again. Shout out to Sarah, Vicki & Ashleigh.Posted on Jessica Nicole O HaraTrustindex verifies that the original source of the review is Google. Claire gave us hope when we had none. She was patient and gave us great advice. She managed to get us a mortgage with Halifax at a brilliant rate! Our purchase was not an easy road either as we were buying my relatives out on my late grandparents house which was very messy but Claire was supportive all the way. Would highly recommend.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more