Mortgages
Staged lending, handled.
Building is a different kind of lending. Progress payments, timelines, valuations at each stage. We keep it moving.
Free guide
The New Build Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
Whether it's off the plans or a ground-up build, the money doesn't arrive in one lump. It arrives in stages, tied to progress, and each stage has its own hoops.
We structure the lending around the build programme so your builder gets paid on time and you're not chasing your bank between pours.
How we help
How we keep the build moving.
01
We structure for the programme.
Lending built around the build schedule, not the other way around.
02
We manage the drawdowns.
Progress payments, valuations, sign-offs. We keep the chain moving.
03
We plan for the gaps.
Builds run long. We build that into the structure rather than reacting to it.
04
We know which lenders do this well.
Not all of them do.
Get started
Get your build funded properly.
Tell us about the build. We'll structure the lending around your programme so the payments land when they need to.
No cost. No pressure. No obligation.
What it costs you
Nothing.
Free to you — we're paid by the lender once your loan settles.
Common questions
New build questions, answered.
The money is released in stages as the build progresses, rather than all at once at settlement. That changes how the lending is structured and what you pay interest on along the way.
Different again. There's usually a long gap between signing and settling, and lenders treat that gap in different ways. We'll walk you through it.
Common. We plan for it up front so it's an inconvenience rather than a crisis.
Yes, usually a fixed-price contract and a payment schedule. We'll tell you exactly what your lender needs.
While we're at it
Building? Your cover needs to keep up with the build.
As the loan changes shape, so does what you'd need to protect. Worth a quick review as the build progresses.