Help to Build Scheme

Help to Build is a new government equity loan that will be available to people in England who want to custom build or self build their own home.

Help to Build can make building your own home a realistic choice, even if you have a small deposit. With Help to Build, self and custom builders can use an equity loan based on the estimated costs to buy a plot of land and build the home. The equity loan amount can be between 5% to 20% (up to 40% in London) of the total estimated cost. If you’re eligible, you can spend up to £600,000 on your new home. This must include the cost of the land if you don’t already own it, and no more than £400,000 on the cost to build it. Applications will open for Help to Build: Equity Loan during winter.

You can apply for Help to Build if you:

  • are 18 years of age or over, and have a right to live in England
  • will live in the newly-built home as your only home
  • secure a self build mortgage from a lender registered with Help to Build
Find out more about the Help to Build scheme

Mortgage Guarantee Scheme

Our Custom Build New Homes are available to purchase with the new Mortgage Guarantee Scheme

The new government-backed Mortgage Guarantee Scheme will help first time buyers or current homeowners secure a mortgage with just a 5% deposit. The scheme, which launched on the 19th April 2021, provides 95% Loan-To-Value mortgages on homes up to £600,000, subject to usual affordability checks.

By offering lenders the option to purchase a guarantee on mortgages where a borrower has a deposit of only 5%, the scheme provides an affordable route to home ownership for aspiring home-owners. Whilst it is not limited to first time buyers, the scheme will not be available on buy-to-let or second homes.

The Mortgage Guarantee Scheme is open for new mortgage applications from April 2021 to December 2022.

Find out more about the Mortgage Guarantee Scheme

Mortgage Advice - Buildstore Supplier Spotlight

Self-Build Mortgages

For self-builders at Graven Hill, if you need to borrow money to fund your project then finding the right mortgage for your build is crucial.

A self-build mortgage is different to a standard mortgage, as the money is released in stages as you progress through the build rather than in a lump sum. There are different ways in which the money can be released, and this will be dependent on the self-build mortgage you choose.

We recommended you speak to a self-build finance expert as early in your project as possible.

Please note: all self-builders at Graven Hill must be qualified by Buildstore.

Find out more about self-build mortgages
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