mortgages

self-build mortgages

As your self-build home will be built and paid for in stages, rather than borrowing funds using a traditional mortgage, a specialist self-build mortgage enables you to release funds in pre-determined stages throughout the build.

There are two types of self-build mortgages. They are defined by how funds are released during the build, where your stage payments are either subject to an increase in the value of works completed or guaranteed based on your costs.

A valuation based stage payment mortgage releases funds after each stage of work is complete and when a valuation has taken place showing an uplift in value. This borrowing option may not suit your supplier’s payment terms if you’ve chosen to build with timber frame.

BuildStore’s Cost Based Stage Payment Mortgage provides guaranteed payments based on your build costs either before or after each build stage, depending on your build payment schedule.

This cost based payment option recognises the timber frame industry’s payment terms and is geared to ensuring funds are released so that your timber frame can be delivered at the right time.

Download our guide to self-build mortgages.

Click here for more information on BuildStore Mortgage services, specialising in self-build and renovation.

Testimonials

“We are onto our third self-build project. We've used Fleming Homes’ design team for each of our houses and have been delighted with their flexible, friendly and reliable approach to timber frame supply.”

Mr & Mrs Downie, York

“The personal service is excellent and it was reassuring to be able to pick up the phone and speak to someone throughout the self-build process.”

Mrs G Douglas, Nenthorn, Scotland

“Fleming Homes are one of the finest and most client-focused commercial firms we have ever encountered. It was a very happy and positive experience.”

Dr & Mrs Lovegrove, Perthshire

“Pulling all the component parts of a self-build project together is the real challenge. Fleming Homes are extremely helpful in this respect. Their service is exceedingly thorough right through the build process. Working with them is an enjoyable experience.”

Roy Croucher, Brighton

“We first made contact with Fleming Homes at the Harrogate show, and from that initial contact, the whole experience of obtaining a quotation based upon our own design, accepting the quote, converting our design to detailed drawings for production, delivery and erection exceeded my expectations. Excellent service from start to finish.”

Lee McKenzie, Derby

“A great kit, a great company, and a great team. The guys at Flemings are the best I have had the pleasure in dealing with. They really do care, and if you have any queries they will resolve straight away. Friendly, upbeat, positive. I have a few more builds still to go, and you bet I will be using Fleming Homes.”

Steve Owen, Scottish Borders

“Wow, what a whirlwind journey, from arriving on a truck to sign-off of the timber frame in just three weeks. I don’t think I have ever seen anyone work such long hours in freezing conditions, wind, rain and the occasional sunshine! Thank you Fleming Homes for helping make our dream a reality.”

Julie Voller, Chertsey

“I’d happily recommend Fleming Homes to my clients in my planning consultant capacity.”

Kate Jenkins MRICS MRTPI, Director, Ericht Planning & Property Consultants

“Fleming were amazing from start to finish. We could not have done it without them.”

Mr & Mrs Fairley, West Sussex

“Fleming Homes are an all round excellent company to work with. The service provided by every contact I've had has been extremely professional and nothing was a problem. Fleming Homes have been one of the easy parts of building a house!”

Mr. Bulloch, Dunlop, Ayrshire

“I’d do it all again and with Fleming Homes. We are thrilled with our new house and it's turned out far better than we could have ever hoped for.”

Paul Bates, Carmarthenshire

“I would wholeheartedly encourage self-builders to use Fleming without reservation. The product is of high quality and eco-friendly. We had a faultless experience from start to finish.”

Sylvester Dengzee, Ipswich

“We were delighted with every aspect of dealing with your company and our kit home, you could not do enough to help us and answer all our questions so promptly. Also the quality of the kit was excellent. We would use you again without question, your staff were so professional and did a great job.”

Bill Cheape, Edinburgh

“I just wanted to let you know how impressed I  have been by the quality and the professionalism of all your team. They've done a great job and I would be happy to recommend them to anyone.”

Peter Murphy, Buckinghamshire

“A massive thank you for everything you and your colleagues have done for us so far. The service from all at Fleming Homes has been superb. Please pass on our thanks to all concerned.”

Neil Archer-Munro

“An excellent service and each and every call I made to Fleming Homes I felt I was speaking to a good friend.”

Morris Manson

“Fleming Homes have been exceptionally helpful in all aspects of our build. We felt we could always phone for advice and someone would be able to help us out. Everything was clearly explained from start to finish. Cannot fault the company and cannot recommend them highly enough. We moved into the new house in Sept 2020 and are loving it.”

Karen & Martin Young, Northumberland

“We made the right decision going with Fleming Homes, they were helpful, efficient and professional.”

Jess & Tom Nancarrow

“Our sincere thanks for all your assistance with our build. We felt fully supported from start to finish and are so happy with how the house has come together. Thank you for always getting back to us and for keeping us updated throughout. Paul, Davey and Connor have been absolutely amazing. We honestly couldn’t have asked for a better team to erect our timber frame. No question or favour was ever too much for them. They always took the time to talk us through details of the house and the work they had carried out. They really have done a superb job.”

Mr & Mrs Parratt, Bristol

“We are extremely delighted with the product and workmanship of our Fleming Homes’ timber frame. Furthermore, the timber frame erection team that Fleming Homes allocated to us were exceptional - by choosing this option they helped us realise our build quickly and efficiently - something which in hindsight we could never have achieved as well ourselves.”

Paul & Debbie Renshall, Northumberland

“The first thing I need to do is thank you Scott, and Josh, Bernard, Marisa along with the rest of the team at Fleming Homes for working so hard being helpful and always being so cheerful... even at the worst of times...  2020! I am so glad I get to work with you.”

Gill Renshaw, Lincs

“All told, very satisfied with things... great job everyone from Fleming Homes have done, yourself (Michael), Richard, David nothing seemed to be too much trouble. Even with cantankerous, mind-changing, awkward customers like me! 5 Stars for all concerned.”

Derek Jamieson, Alnwick

“Can I just say what an excellent service we’ve had from Fleming Homes over the years. You’ve been able to help us with several enquiries since we built our house nearly a decade ago and it is very much appreciated.”

Cameron Mabon, Duns