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 77 reviews Posted on Google graham draperTrustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.Posted on Google AntTrustindex verifies that the original source of the review is Google. Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!Posted on Google Alannah McNaughtonTrustindex verifies that the original source of the review is Google. Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her 🙂Posted on Google DanielaDany ZavalicheTrustindex verifies that the original source of the review is Google. They are a very good and friendly team. I am very proud of them. Well done!Posted on Google Laura RedmondTrustindex verifies that the original source of the review is Google. Sarah from Oak Mortgages was incredible throughout my journey as a first time buyer. She was always very clear and precise when explaining the process at the different stages throughout. No question, email or call was never not welcomed. She was always at the end of the phone or email to reply to any queries I had. The rest of the team were also great to send an email to update or communicate anything needed too. I would highly recommend Oak Mortgages to anyone who is a first time buyer or buying again. The professionalism, communication and support they give is incredible. It made me buying my first home a pleasant experience overall.Posted on Google maddie ryanTrustindex verifies that the original source of the review is Google. We had an excellent experience with Sarah and her team throughout our mortgage and house purchase. From start to finish, Sarah was professional, knowledgeable, and always happy to answer any questions we had, making what could have been a stressful process feel much easier. Her team were equally fantastic, keeping us updated every step of the way, responding quickly to emails, and ensuring everything progressed as smoothly as possible. We always felt supported and well informed. We can’t thank Sarah and her team enough for helping us buy our first home. We would highly recommend them to anyone looking for a friendly, reliable, and professional mortgage advisor.Posted on Google Esme AliceTrustindex verifies that the original source of the review is Google. Abby was amazing from the very first phone call we had! As a single mum, trying to get a mortgage felt like an impossible task at times which was not helped by the previous company I went with not giving me the correct info and my mortgage in principle falling through at the last minute because of their own mistake! I found Oak mortgages while doing a desperate search and I am so glad I did! Abby had to deal with some very stressed phone calls when things felt like they weren’t going right and she gave lots of advice and help all the way through. Simone and Ashleigh were also amazing and responded to anything I needed super quickly! Thank you!Posted on Google Daniel LowerTrustindex verifies that the original source of the review is Google. A lovely bunch of people to deal with found a deal I was happy with and supported me during the process taking time to answer questions needed and even liase with the mortgage brokers this is the second time I've used them and will do againPosted on Google Victoria ParkinsonTrustindex verifies that the original source of the review is Google. Really helpful and supported me through a tricky remortgageVerified 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 77 reviews Posted on Google graham draperTrustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.Posted on Google AntTrustindex verifies that the original source of the review is Google. Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!Posted on Google Alannah McNaughtonTrustindex verifies that the original source of the review is Google. Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her 🙂Posted on Google DanielaDany ZavalicheTrustindex verifies that the original source of the review is Google. They are a very good and friendly team. I am very proud of them. Well done!Posted on Google Laura RedmondTrustindex verifies that the original source of the review is Google. Sarah from Oak Mortgages was incredible throughout my journey as a first time buyer. She was always very clear and precise when explaining the process at the different stages throughout. No question, email or call was never not welcomed. She was always at the end of the phone or email to reply to any queries I had. The rest of the team were also great to send an email to update or communicate anything needed too. I would highly recommend Oak Mortgages to anyone who is a first time buyer or buying again. The professionalism, communication and support they give is incredible. It made me buying my first home a pleasant experience overall.Posted on Google maddie ryanTrustindex verifies that the original source of the review is Google. We had an excellent experience with Sarah and her team throughout our mortgage and house purchase. From start to finish, Sarah was professional, knowledgeable, and always happy to answer any questions we had, making what could have been a stressful process feel much easier. Her team were equally fantastic, keeping us updated every step of the way, responding quickly to emails, and ensuring everything progressed as smoothly as possible. We always felt supported and well informed. We can’t thank Sarah and her team enough for helping us buy our first home. We would highly recommend them to anyone looking for a friendly, reliable, and professional mortgage advisor.Posted on Google Esme AliceTrustindex verifies that the original source of the review is Google. Abby was amazing from the very first phone call we had! As a single mum, trying to get a mortgage felt like an impossible task at times which was not helped by the previous company I went with not giving me the correct info and my mortgage in principle falling through at the last minute because of their own mistake! I found Oak mortgages while doing a desperate search and I am so glad I did! Abby had to deal with some very stressed phone calls when things felt like they weren’t going right and she gave lots of advice and help all the way through. Simone and Ashleigh were also amazing and responded to anything I needed super quickly! Thank you!Posted on Google Daniel LowerTrustindex verifies that the original source of the review is Google. A lovely bunch of people to deal with found a deal I was happy with and supported me during the process taking time to answer questions needed and even liase with the mortgage brokers this is the second time I've used them and will do againPosted on Google Victoria ParkinsonTrustindex verifies that the original source of the review is Google. Really helpful and supported me through a tricky remortgageVerified 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