mortgages
Buildstore Mortgage Services

Building your timber frame home has never been easier!

If you dream of building your own timber frame home and need help funding this, it’s important to get expert mortgage advice early on, to have a clear understanding of your budget and borrowing options.

A great first point of call when thinking about your mortgage options is BuildStore Mortgage Services – the UK’s self build mortgage experts. Their specialist mortgage advisers will recommend and tailor a borrowing solution to suit your financial circumstances, build and payment schedule.

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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 self build mortgage which releases funds in stages throughout the build rather than a single amount, is more suitable.

There are two types of self build mortgage. 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 works are complete, where a valuation has taken place showing an uplift in value. This borrowing option may not suit your build payment terms if you’ve chosen a timber frame construction.

The BuildStore 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.

Cost Based Stage Payments

Your build payment schedule can influence your choice of mortgage, and often dictate the need for guaranteed cost based stage payments. Especially if you’ve chosen a timber frame construction for your new home, as it’s likely that your supplier will need payment in full before the structure is delivered onsite.

The BuildStore Cost Based Stage Payment Mortgage is ideally suited to timber frame builds, as your stage payments can be released before each build stage and are guaranteed based on your costs, so you’ll have the cash you need to meet your supplier’s payment terms.

The BuildStore Difference:

  • Specialist knowledge and expertise
  • Competitive interest rates
  • Exclusive products and lenders
  • Interest only during the build
  • Guaranteed cost based stage payments available
  • Ability to stay in your current home until your new one is complete

For more information and expert advice on how to fund your self build click here to enquire, or call 0345 223 4888.

Your home may be repossessed if you do not keep up repayments on your mortgage. For self and custom build mortgages we charge a fee of £295. £95 is payable on application and £200 on offer. For all other mortgages we charge a fee of £395, which is payable on offer.

© BuildStore Mortgage Services Ltd. All rights reserved.

BuildStore Mortgage Services Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

BuildStore Mortgage Services Limited. Registered Office: 8 Houstoun Interchange Business Park, Livingston, EH54 5DW. Registered in Scotland Number: SC448916

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Meet us in person

Why not come and meet the Fleming Homes team in person? We’re there to help you with all your self-build and timber frame questions.

Below are the next 4 exhibitions we’re attending, a full list of shows where you can meet the Fleming Homes team is available on our Events page.

Hopefully there’s an event near you soon. If not, just give us a call!

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