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Bespoke self build finance

Building a home to your own specification offers the opportunity to create a property entirely around your requirements. However, financing a significant self build project can require a more specialist approach than a conventional residential mortgage.

LDN Private Clients arranges bespoke self build finance for high net worth individuals and private clients undertaking high value residential projects across the UK.

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Large interest-only mortgages

Looking beyond conventional affordability

Unlike a traditional mortgage, self build finance is typically released in stages as construction progresses. The structure of the facility, timing of drawdowns and assessment of affordability can vary significantly between lenders.

Our private client advisers take the time to understand the complete picture, from the property, land and projected build costs to your income, assets, wider wealth and longer term plans, before approaching the lenders best suited to your circumstances.

Through our established relationships with private banks, specialist lenders and alternative funders, we can structure a self build facility around both the project and your wider financial position.

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Specialist finance for complex self build project

High value self build projects rarely fit neatly within standard lending criteria.

Whether you are purchasing land to build a new home, replacing an existing property or undertaking a substantial redevelopment, the finance needs to work alongside the different stages of the project.

Self build facilities are generally structured in one of two ways.

Arrears funding releases agreed funds after individual stages of construction have been completed and inspected.

Advance funding releases funds at the beginning of agreed stages, potentially reducing the amount of capital you need to commit to the project between drawdowns.

Our advisers will assess the proposed build, your available liquidity and your wider financial profile to determine which funding structure is most appropriate.

For private clients, this may also involve considering assets, investments, bonus income, business interests, overseas income or other sources of wealth when presenting the case to a lender.

Our role is to structure and present the complete proposition clearly, helping lenders understand both the project and the financial strength supporting it.

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Your private client property finance partner

Complex property finance requires more than access to mortgage products. It requires an understanding of how property, income, assets and wider wealth interact.

Our private client team regularly works with high net worth individuals, entrepreneurs, business owners, professionals, expats and foreign nationals whose financial circumstances may sit outside conventional lending criteria.

We use our relationships with private banks, specialist lenders and alternative funders to explore bespoke solutions for complex and high value borrowing requirements.

From the initial funding strategy through to completion and subsequent refinancing, your dedicated adviser will remain closely involved throughout your self build journey.

Speak to our private client team about financing your self build project.

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Your experience

Andrew and Emma were awesome. Truly tested over the period of last year to get me a mortgage. They were proactive, trustworthy, patient and so helpful and can’t recommend them enough.

Nicholas

Our clients

Private client case studies

Our client bank is vast. From private equity clients to entrepreneurs, business owners to family offices, trustees to ultra-high-net-worth foreign nationals, here we demonstrate examples of our coveted service.

Obtaining a self-build mortgage for client upsizing their family home

Entrepreneurial investment banker secures £1.9m self-build mortgage

Dream home purchase for client with one years’ self-employed accounts

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