Thinking about building your own home or buying a brand new property? FPM Advice Centre specialises in New Build and Self-Build Mortgages, helping you turn your vision into reality with expert, tailored mortgage advice every step of the way.
Designed for homes that are recently constructed, usually by a developer, and have never been lived in before.
Tailored for people who want to build their own home from the ground up, offering funds in stages as your project progresses, rather than as a single lump sum.
Both types of mortgages have unique features and criteria compared to standard home loans.
Lenders have specific requirements around deposit size, timescales, and how funds are released, making independent advice essential.
Discuss your plans—whether you’re buying from a developer or starting a self-build. We’ll assess your eligibility, budget, and timeline.
We compare new build and self-build mortgage products from across the market, including specialist lenders not always available directly.
Get a mortgage agreement in principle so you can confidently reserve your new build home or begin your project.
For self-builds, we help prepare a detailed project plan, including build stages, costs, and planning permissions. For new builds, we ensure all reservation agreements and incentives are reviewed.
Funds are released at key stages (e.g. land purchase, foundations, roof, completion), ensuring you only pay interest on money drawn.
We coordinate with your developer, builder, architect, and solicitor to keep your purchase or build on track.
For new builds, completion is typically upon build finish. For self-builds, it’s when your home is certified as habitable and ready for you to move in.
We’re here for remortgaging, future projects, or annual reviews to keep your mortgage on the best terms.
New builds usually require at least a 10–15% deposit. Self-build mortgages may need 20–25% or more, but some schemes and lenders offer lower-deposit options.
Lenders release funds in stages—such as land purchase, laying foundations, building the structure, and final completion. This matches your cash flow to your build schedule.
Yes! Help to Buy, Shared Ownership, and self-build/custom build government schemes may be available. We’ll guide you through your options and eligibility.
You’ll need detailed plans, planning permission, a full breakdown of costs, architect drawings, builder’s insurance, and your personal financial information.
Specialist lenders are available for non-standard or eco builds. We can match you to lenders with flexible criteria for unique projects.
Self-build mortgages can take longer than standard mortgages—typically 6–12 weeks—due to additional documentation and staged payments.
Building your own home is an exciting journey—but good organisation is key. Use this handy Self-Build Project Checklist from FPM Advice Centre to stay on track, from first ideas to move-in day.
Define your budget and financial limits Research and secure a suitable plot of land Check planning permissions and local development rules Decide on your build method (traditional, modular, eco, etc.)
Appoint an architect or home designer. Create detailed architectural drawings. Select a builder or main contractor. Obtain building regulations approval. Get quotes for all stages of the build
Arrange a self-build mortgage with FPM Advice Centre. Prepare a full cost breakdown and cashflow schedule. Organise your deposit and contingency funds. Check for available government grants or incentives
Set up site insurance and warranties (NHBC, etc.) Agree a build timetable and key milestones. Arrange utilities: water, electricity, gas, broadband. Order materials with long lead times
Land purchase and legal completion. Site preparation and groundwork. Laying foundations. Constructing the frame/walls and roof. Install windows and doors. First fix: plumbing, electrics, and insulation. Internal walls, plastering, and joinery. Second fix: final electrics/plumbing, heating, kitchen/bathroom. Decorating and finishing. External works: landscaping, driveways, fencing
Building control sign-off and certification. Final snagging and quality checks. Move in and enjoy your new home! Arrange a remortgage to a standard residential deal if needed. Need help with your self-build mortgage or want tailored advice? Contact FPM Advice Centre for a free, expert review of your plans.
Get independent, expert advice on new build and self-build mortgages. Arrange your free new build or self-build mortgage review now!
