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Your self build mortgage – what happens now?


What happens after a self build mortgage.


Arranging your product switch

If you’ve finished your build, or are almost there, it’s time to think about your next mortgage product. The good news is that you’ll no longer need a specialist self build product. Our self builders can switch from a self build mortgage product to one of our residential products on completion of their build, without paying an Early Redemption Charge (ERC).

And we have specialist loyalty products for those with an EPC rating of A or B. Members will have to arrange and pay for this EPC, then supply it to us in order to be eligible for these products.

Plus, upon build completion you can switch your product without any Early Repayment Charge. Here’s what you’ll need to do:

  1. Before you can request your product switch, we’ll ask for three documents: a Completion Certificate, Standard Buildings Insurance Schedule, and a copy of the Warranty/Architect Certificate, so make sure to supply us with these when they are available.
  2. Once we have received the above, we will release your final remaining funds, if they are still required, and you can request your product switch.
  3. If you completed your build on an interest only basis with a switch to capital repayment as your intended repayment vehicle, this will be completed at the same time as your product switch.
  4. To request your product switch you will need to complete the product switch request or advice request form.
  5. If you would like to make any other changes to your mortgage, for example if you no longer want to switch to capital repayment, contact us to discuss your requirements.

We’re here to help you every step of the way. Simply give our friendly team a call on 0330 123 0723 or email [email protected].


Switch request form

    By completing and returning this form you are confirming that you wish to proceed on an execution only basis, which means you are confident about choosing the right product for yourself and don’t need any advice.

    *Product codes can be found within the Mortgage Product Switch Rate Guide – see the link at the top of the page.

    Please bear in mind
    If you add the fee to your mortgage, interest will be payable on the additional amount at the same rate as your mortgage.

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