Put Finance in Place

Unless you can fully fund your project with cash, you’ll need a self build mortgage. Builders expect staged payments and lenders release funds at agreed milestones (land, foundations, watertight, completion). A planned cashflow avoids delays and keeps your build on track.

Yes. SIPs are a recognised modern method of construction accepted by self build lenders when supported by an approved 10-year structural warranty (e.g., NHBC, Build-Zone, BuildCare) and competent installation. HebHomes SIP homes are mortgageable.

Yes. CPS homes are mortgageable provided they carry an accepted warranty. HebHomes’ CPS system is BOPAS-accredited (Buildoffsite Property Assurance Scheme), which is widely recognised by lenders and de-risks modern methods for underwriting.

BuildStore is a specialist self build broker offering:

• Access to a wide panel of self build lenders and 60+ products
• Stage payment mortgages (valuation-based or cost-based)
• Tailored cashflow aligned to your build schedule
• Site insurance and 10-year structural warranties

Visit BuildStore →

HebHomes partners with Ecology, who provide mortgages tailored to sustainable, energy-efficient and off-site construction projects. If you’re unsure which route suits you best, speak to BuildStore for comparisons.

A Perth-based national broker partnered with HebHomes. They offer whole-of-market access to self build lenders and can arrange commercial finance (buy-to-let, holiday lets). Typical broker fees: £495 on application and £1,500 on offer. Email: enquiries@thelendingchannel.co.uk.
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In Ireland, self build mortgages are available from a limited number of mainstream lenders. Funds are released in stages following valuation/certification at key build milestones. Lenders typically require:

• Full planning permission
• Fixed-price contract or detailed cost breakdown
• An accepted 10-year structural warranty (e.g., HomeBond, Global, or equivalent)

HebHomes supplies technical documentation for applications in Ireland and can coordinate with your broker or bank.

Funds are released at milestones such as land (with planning), foundations, structure/wall-plate, watertight and completion. Many lenders allow borrowing up to ~80% during the build (product-dependent). Cost-based stage payments (via BuildStore) can guarantee releases in advance, reducing reliance on valuation uplifts.

Requirements vary by lender and product. Expect to contribute cash toward land and early works, keep a contingency (typically 10–15%), and demonstrate affordability under current rules. A broker will model your maximum borrowing and structure deposits/drawdowns to protect cashflow.

Common requests include: proof of income/outgoings; full planning permission; drawings/specification; build programme; fixed-price contract or detailed cost plan; structural warranty confirmation; site insurance; and details of your construction system (SIP/CPS) and accreditation (e.g., BOPAS for CPS).

A Welsh Government scheme allowing individuals to borrow up to 75% of land purchase costs and 100% of build costs (with a 25% land deposit from own funds). It can also help with plot finding and contractor matching. Check current eligibility and terms before you proceed.

Lenders require cover before releasing funds:

• Site insurance (works, plant, public liability)
• 10-year structural warranty (e.g., NHBC, Build-Zone, BuildCare; HomeBond/Global in Ireland)
• BOPAS accreditation for CPS (reassures lenders on modern methods)

These protections make SIP and CPS homes fully mortgageable.

Poorly timed drawdowns can halt your project and stress cashflow. Always align mortgage stages to your construction programme and maintain contingency. Customer advice: Your home may be repossessed if you do not keep up repayments on your mortgage.