Hawkes Architecture

What are you looking for?

Help

Financing Your Self Build

Embarking on a self build project is an exciting journey, but one of the biggest challenges prospective homebuilders face is securing the right financial support. Many individuals are unsure about their financing options, which can sometimes delay or even derail their dream of building their own home.

However, with expert guidance and the right mortgage solutions, funding a self build can be a smooth and structured process. This is why Hawkes Architecture recommend BuildStore Mortgage Services Limited, the UK’s leading specialist in self build finance, to provide tailored mortgage solutions that align with your design and construction goals.

Exterior detail of the Louvre wrap around the building of Echo Barn, a Para 55 energy efficient passive house. Another grand design by Hawkes Architecture.

Embarking on a self build project is an exciting journey, but one of the biggest challenges prospective homebuilders face is securing the right financial support. Many individuals are unsure about their financing options, which can sometimes delay or even derail their dream of building their own home.

However, with expert guidance and the right mortgage solutions, funding a self build can be a smooth and structured process. This is why Hawkes Architecture recommend BuildStore Mortgage Services Limited, the UK’s leading specialist in self build finance, to provide tailored mortgage solutions that align with your design and construction goals.

Expert Guidance

Why We recommend Buildstore?

BuildStore bring over 26 years’ having supported more than 30,000 self build projects. They understand the complexities of self build financing, ensuring that the right funding solution is in place from the outset.

Their specialist mortgage advisors work with our team at Hawkes Architecture, offering financing solutions tailored to your financial situation, building method, and payment schedule. Whether you’re constructing an engineered timber frame, Glulam, CLT, or a prefabricated off site solution, BuildStore have exclusive mortgage products designed to meet the specific demands of your project.

With access to all lenders and a portfolio of over 70 exclusive stage payment mortgage products, BuildStore offers unique funding solutions that can make self building possible even for those who might struggle to secure finance through traditional lenders.

Understanding

Self Build Mortgages

Unlike standard mortgages, self build mortgages release funds in stages as the construction progresses. This staged funding approach is designed to align with the specific phases of your build — such as purchasing the plot, laying foundations, building the structure, and completing internal works. By receiving funds at each critical stage, you’re better equipped to manage cash flow, avoid borrowing more than necessary upfront, and reduce financial strain throughout the project. It also provides reassurance to lenders and helps keep your build on schedule, with funds available exactly when they’re needed most.

Construction at Echo Barn, a Para 55 energy efficient passive house. Another grand design by Hawkes Architecture.

Unlike standard mortgages, self build mortgages release funds in stages as the construction progresses. This staged funding approach is designed to align with the specific phases of your build — such as purchasing the plot, laying foundations, building the structure, and completing internal works. By receiving funds at each critical stage, you’re better equipped to manage cash flow, avoid borrowing more than necessary upfront, and reduce financial strain throughout the project. It also provides reassurance to lenders and helps keep your build on schedule, with funds available exactly when they’re needed most.

Buildstore are fantastic and couldn’t have been anymore helpful. Nothing was ever a problem and their speed and promptness really made sure our loan moved forwards quickly and with ease.

Rob Garforth

Option One

Valuation-Based Mortgages

Funds are released after each stage of construction is completed, following an independent valuation that confirms an increase in property value.

  • This model has less certainty on how much will be available at each stage
  • Works best if you already own your plot or have significant personal funds to invest
  • More suited for traditional builds with evenly spread costs

Option Two

Cost-Based Mortgages (Exclusive to BuildStore)

Funds are released before or after each build stage, based on pre-agreed costs rather than a valuation.

  • Guaranteed stage payments aligned with your budget
  • No risk of funding shortfalls mid-build
  • Ideal for offsite-manufactured systems, such as timber frame or SIPs, where payments are needed upfront

Budgeting

How Much Can You Borrow?

Your borrowing capacity depends on your financial circumstances, including income and outgoings.

  • With a valuation-based mortgage, lenders typically release between 70% and 85% of the site’s value at each stage.
  • With BuildStore’s cost-based mortgages, you could borrow up to 95% of your build costs (or even 100% if you already own the plot), with a maximum of 85% of the final home value. More importantly, your funding is guaranteed at every stage of the build.

Benefits

The BuildStore Advantage

By working with BuildStore, you benefit from:

  • Specialist self build finance expertise
  • Exclusive mortgage products and competitive rates
  • Guaranteed stage payments aligned with your build schedule
  • Ability to stay in your current home until your new one is complete
  • Tailored cash flow solutions for each stage of your project
  • Support from initial planning to project completion
  • Borrow up to 95% of land and build costs

 

Start Your Self Build Journey with Confidence

At Hawkes Architecture, we are committed to guiding you through every step of your self build journey—including helping you secure the right financial solution.

For more information on how BuildStore can help fund your project, call 0345 223 4888 to speak to an expert adviser.