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 57 reviews Posted on Robert & Alisha HerringTrustindex verifies that the original source of the review is Google. Oak Mortgages were amazing throughout our house sale & purchase. Abbey in particular was great, answering any questions we had promptly and providing a friendly service.Posted on Mayo AderintoTrustindex verifies that the original source of the review is Google. I cannot thank Oak Mortgages enough for all their help and support during my mortgage process. They were professional, knowledgeable, and always available to answer my questions. Everything was handled efficiently and I was kept informed at every stage. They made the whole experience much easier than I expected and I’m very grateful for all their hard work. I would definitely recommend them to friends and family.Posted on HolmesTrustindex verifies that the original source of the review is Google. Very friendly staff. Easily approachable when asking questions to gain clarity.Posted on RochelleTrustindex verifies that the original source of the review is Google. Laura was amazing from start to finish, very helpful and knowledgable. As first time buyers she explained everything in a simple yet informative way and was very responsive to any queries we had throughout. We would definitely recommend Laura to anyone looking to buy/get on the property ladderPosted on Benas DovidauskasTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Claire Geraghty at Oak Mortgages. Claire was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process. She took the time to clearly explain all the options available and made sure I understood each step, which made what can often be a stressful process feel straightforward and manageable. Claire was always responsive, patient with questions, and proactive in keeping everything moving smoothly. Her expertise and attention to detail gave me real confidence that I was getting the best possible advice for my situation. I would highly recommend Claire Geraghty and Oak Mortgages to anyone looking for a reliable, friendly, and highly competent mortgage advisorPosted 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.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 57 reviews Posted on Robert & Alisha HerringTrustindex verifies that the original source of the review is Google. Oak Mortgages were amazing throughout our house sale & purchase. Abbey in particular was great, answering any questions we had promptly and providing a friendly service.Posted on Mayo AderintoTrustindex verifies that the original source of the review is Google. I cannot thank Oak Mortgages enough for all their help and support during my mortgage process. They were professional, knowledgeable, and always available to answer my questions. Everything was handled efficiently and I was kept informed at every stage. They made the whole experience much easier than I expected and I’m very grateful for all their hard work. I would definitely recommend them to friends and family.Posted on HolmesTrustindex verifies that the original source of the review is Google. Very friendly staff. Easily approachable when asking questions to gain clarity.Posted on RochelleTrustindex verifies that the original source of the review is Google. Laura was amazing from start to finish, very helpful and knowledgable. As first time buyers she explained everything in a simple yet informative way and was very responsive to any queries we had throughout. We would definitely recommend Laura to anyone looking to buy/get on the property ladderPosted on Benas DovidauskasTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Claire Geraghty at Oak Mortgages. Claire was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process. She took the time to clearly explain all the options available and made sure I understood each step, which made what can often be a stressful process feel straightforward and manageable. Claire was always responsive, patient with questions, and proactive in keeping everything moving smoothly. Her expertise and attention to detail gave me real confidence that I was getting the best possible advice for my situation. I would highly recommend Claire Geraghty and Oak Mortgages to anyone looking for a reliable, friendly, and highly competent mortgage advisorPosted 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.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