Self-Build Mortgages | Vernon Intermediaries

Self-Build

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Overview

We provide flexible mortgages for clients embarking on self-build journeys across England and Wales. Every application is personally underwritten, ensuring your clients’ individual circumstances are carefully considered.

Our self-build range is available exclusively through our specialist partners, BuildLoan and Mayflower, giving your clients access to expert support and tailored funding solutions.

Key Criteria

  • Modern construction types accepted
  • Interest-Only during build
  • Ring-fence savings for affordability
  • Up to 85% LTV at each build stage

How to Place a Self-Build Case

All self-build applications must be submitted via our specialist packaging partners BuildLoan and Mayflower.

These partners will work with you and your client to assess the project, package the case, and manage the process through to completion.

Please contact your preferred partner directly to discuss your case and next steps.

Why We Partner With BuildLoan and Mayflower

As self-build projects are more complex than standard residential cases, we work with specialist partners.

Through BuildLoan and Mayflower, your clients benefit from:

  • Detailed build costings and project feasibility checks before submission  
  • Structured stage payment schedules to support each phase of the build  
  • Ongoing build monitoring, helping to identify and manage risks early  
  • Specialist expertise in complex builds, including modern methods of construction  

This approach helps ensure cases are well-prepared, reducing delays and improving outcomes for both you and your client.

Discount Mortgages

(SB37) Mayflower 1.85% Lifetime Discount

Initial rate

5.75%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.0% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(SB38) Mayflower 1.76% Lifetime Discount large loan

Initial rate

5.84%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.0% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

0.25%*

Early repayment charge

Yes

* of the loan amount

(SB39) BuildLoan 1.85% Lifetime Discount

Initial rate

5.75%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.0% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(SB40) BuildLoan 1.66% Lifetime Discount (accelerator)

Initial rate

5.94%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.2% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£1,999

Early repayment charge

Yes

(SB41) BuildLoan 1.76% Lifetime Discount large loan

Initial rate

5.84%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

6.0% APRC

Maximum loan to value (LTV)

70%

Incentives

None

Fees

0.25%*

Early repayment charge

Yes

* of the loan amount

Enquire Now

We're proud to be known for our personal, approachable service. If you have a question or would like to discuss a case, our team is here to help - Monday to Friday, 8:45 AM to 5:00 PM. We look forward to hearing from you!

Get In Touch | Vernon Intermediaries
Question

Register

If you haven’t registered with us already, please register online before submitting business with us. Once registered with us, you can register to our broker online services.

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Guide

Decision in Principle

Obtain a DIP before submitting an application. Attach an affordability calculator to your submission and we'll give you an initial decision based on the information provided.

DECISION IN PRINCIPLE
Mortgage

Submit a Full Application

Once your registration has been confirmed, you'll be able to submit an application via our online broker portal. All documents required for the application are uploaded at this time.

SUBMIT APPLICATION