Self Build Mortgages > Who offers specialist mortgages?

Do UK high street banks offer Self Build Mortgages?

The short answer is no, most high street banks don’t offer Self Build Mortgages in 2025.

Self Build Mortgages are now mainly offered by specialist lenders and building societies, usually through experienced brokers like us, Mayflower Mortgage.

Do any high street banks offer Self Build Mortgages?

At the time of publishing, all major high street banks currently offer no Self Build Mortgages. This includes:

Halifax
Santander
Nationwide
Barclays
HSBC.

Meaning you won’t be able to fund a Self Build project through these banks, and you’ll instead need to explore specialist lenders.

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Why work with a specialist broker?

Access to the right lenders

Many self build products are only available via brokers. So without one, you won’t see the full market.

Choice of payment structures

A broker can match the right structure to your cashflow needs.

Understanding of staged lending

Brokers know how to manage the valuation process, release timings, and paperwork at each build stage.

Tailored affordability checks

Self build projects can include land, existing mortgages, or bridging finance. A specialist broker helps you navigate this.

Problem-solving experience

If you hit a snag (they happen!), then a specialist broker knows how to adjust the finance to keep your project moving.

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Specialist Provider Support

Dedicated underwriting teams

In-house experts who can assess your project and give it the care it deserves.
Flexibility for unusual projects

Barn conversions, timber frames, eco-homes, anything Self Build are things high street banks shy away from. But not Mayflower.
Process experts

You’ll want an expert advisor who understand the realities of construction and cost schedules. We’ll give you a dedicated expert throughout your project.
Advisory mindset

Many smaller building societies and specialist lenders genuinely want self builders to succeed and offer more personal support. We’re here to offer the personal touch High-Street banks can’t.

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But not all specialist brokers are equal.

We might be bias (our awards say otherwise), but we think Mayflower are the best in the business. Mayflower Mortgage focuses solely on Self Build, Renovation, and Conversion projects. Which means:

15+ years of experience in helping everyday people fund their dream homes.
A dedicated adviser from day one. Meaning you’ll always know who to call, and they’ll know the detail of your project.

Faster, clearer decisions. We’re here to remove the uncertainty and give you confidence to move forward.
Self Build Savers Solution is our unique programme designed to save you thousands across your build. Check out our Self Build Savers Solution.

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Best Self Build Mortgage Advisory Firm

Design and Build Awards 2025
Best Specialist Broker

Finalist at the 2025 Mortgage Strategy Awards
Best Specialist Broker

Finalist at the 2025 Financial Reporter Awards
NaCSBA Gold member

National Custom & Self Build Association
Grand Designs

As seen at Grand Designs Live in London
BuildIt Live

As seen at BuildIt Live
Homebuilding & Renovating Show

As seen at the Homebuilding & Renovating Show
NACFB Member

National Association of Commercial Finance Brokers
AMI Member

Association of Mortgage Intermediaries
STA

Structural Timber Association Member

What will your lender expect?

Regardless of your provider, you’ll likely need to show a list of details about your project. If you’re working with a specialist, like Mayflower, they’ll help you prep for this.

✔ Planning permission

✔ Planning drawings and specs

✔ Detailed costing and schedule

✔ Builder/ contractor plans

✔ Deposit or equity (often around 25%)

✔ Insurance and structural warranty

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