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Self Build Mortgage Northern Ireland

Self Build Mortgage Northern Ireland

Want to build your own home but wondering where to start?

Arrange a Free Self Build Mortgage Planning Consultation at a Time That Suits You.

Many people have a dream of building their own home, but the task certainly isn’t for the faint hearted. Whether you choose to go DIY and arrange architects and tradesmen yourself or prefer to hire a contractor to manage the project for you, you will still need and want to be in control of the finances.

There are so many things to consider even at the early stages but at The Mortgage Clinic we can certainly step in to take away the confusion and questions around the best mortgage to finance your build. So, before you even start thinking of design contact us to arrange a Free Self Build Mortgages Planning Consultation.

We DO NOT charge a fee for our initial advice!

Request a Callback

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Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.

We will never share your information with a 3rd party. We hate spam just as much as you do!

Why Choose Us

We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.

We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.

We offer independent advice, and can find you the best deals available for your circumstances!

Book your free Initial Mortgage Planning Consultation

Book Now

When building a new home a conventional residential mortgage wont be enough..

You will need a specialist Self Build mortgage, offered by only some lenders. The main difference between the two is that on a conventional mortgage all the monies are released upfront, whereas with a Self Build Mortgage the monies are released in stages. This helps you to budget for your build, ensuring you don’t use all the money up at the beginning.

Self Build Mortgages are often at a higher rate than conventional mortgages due to the additional administration of releasing the money in stages and arranging valuations at each stage. But we will make sure you get the mortgage that is best for your needs, and at the most competitive rate. No need for you to check all the banks and building societies yourself – we can do this for you, all under one roof! Because we work with all the major UK lenders, as well as the local ones, you can be sure of independent advice, best suited to your needs. Not all lenders offer mortgage for Self Build and each has their own lending criteria but our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.

We will review your credit report which is the first hurdle to get through when you’re borrowing money of any description – whether it’s a mortgage, credit card or personal loan.

We will gain a mortgage ‘Agreement in Principle’ for you so you can be sure you can get the mortgage you require.

You will leave the Planning Consultation knowing how much you can borrow, how much it is likely to cost and what documents you need to start gathering together – ready to buy your dream home!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

When building a new home a conventional residential mortgage wont be enough..

You will need a specialist Self Build mortgage, offered by only some lenders. The main difference between the two is that on a conventional mortgage all the monies are released upfront, whereas with a Self Build Mortgage the monies are released in stages. This helps you to budget for your build, ensuring you don’t use all the money up at the beginning.

Self Build Mortgages are often at a higher rate than conventional mortgages due to the additional administration of releasing the money in stages and arranging valuations at each stage. But we will make sure you get the mortgage that is best for your needs, and at the most competitive rate. No need for you to check all the banks and building societies yourself – we can do this for you, all under one roof! Because we work with all the major UK lenders, as well as the local ones, you can be sure of independent advice, best suited to your needs. Not all lenders offer mortgage for Self Build and each has their own lending criteria but our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.

 

 We will review your credit report which is the first hurdle to get through when you’re borrowing money of any description – whether it’s a mortgage, credit card or personal loan.

We will gain a mortgage ‘Agreement in Principle’ for you so you can be sure you can get the mortgage you require.

You will leave the Planning Consultation knowing how much you can borrow, how much it is likely to cost and what documents you need to start gathering together – ready to buy your dream home!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your first meeting is FREE of charge.

If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.

Request a callback

13 + 14 =

Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.

We will never share your information with a 3rd party. We hate spam just as much as you do!

Why Choose Us for MortGage Rates NI

We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.

We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.

We offer independent advice, and can find you the best deals available for your circumstances!

From Our Clients

"Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially." read more..

C. MCCabe, Crumlin

"As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service"

E. McNamee, Lurgan

"We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!"

J&M, Belfast

"I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !"

Miss E Piasecka