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.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 52 reviews Posted on Samuel Robert StewartTrustindex verifies that the original source of the review is Google. I had a fantastic experience with Oak Mortgages and couldn’t recommend them highly enough. Sarah is the best—she was professional, knowledgeable, and genuinely took the time to understand our situation. Everything was explained clearly, without jargon, which made the whole mortgage process far less stressful than I expected. Sarah was always responsive, kept us updated at every stage, and worked hard to find the best deal for me. It really felt like she had our best interests at heart rather than just trying to push a product. If you’re looking for reliable, friendly, and expert mortgage advice, Oak Mortgages—and especially Sarah—are an excellent choice.Posted on Jon SmythTrustindex verifies that the original source of the review is Google. A very easy and stress free re-mortgage thanks to Vicki and the team. We were kept well informed from start to finish. Highly recommended.Posted on Marysia ManningTrustindex verifies that the original source of the review is Google. Very smooth process and extremely helpful staff. Quick and efficientPosted on Roger BowringTrustindex verifies that the original source of the review is Google. Fantastic service and the very helpfulPosted 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.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.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 52 reviews Posted on Samuel Robert StewartTrustindex verifies that the original source of the review is Google. I had a fantastic experience with Oak Mortgages and couldn’t recommend them highly enough. Sarah is the best—she was professional, knowledgeable, and genuinely took the time to understand our situation. Everything was explained clearly, without jargon, which made the whole mortgage process far less stressful than I expected. Sarah was always responsive, kept us updated at every stage, and worked hard to find the best deal for me. It really felt like she had our best interests at heart rather than just trying to push a product. If you’re looking for reliable, friendly, and expert mortgage advice, Oak Mortgages—and especially Sarah—are an excellent choice.Posted on Jon SmythTrustindex verifies that the original source of the review is Google. A very easy and stress free re-mortgage thanks to Vicki and the team. We were kept well informed from start to finish. Highly recommended.Posted on Marysia ManningTrustindex verifies that the original source of the review is Google. Very smooth process and extremely helpful staff. Quick and efficientPosted on Roger BowringTrustindex verifies that the original source of the review is Google. Fantastic service and the very helpfulPosted 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.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