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Self Build and Renovation Mortgages

Specialist self-build and renovation lending with expert support direct from the Society throughout the project, flexible stage payments tailored to your client’s needs and finance available for renovation projects.

  • At a glance

    Lending Area – National

    Maximum Loan – £500,000

    Maximun LTV – Up to 80% during build  or 50% of plot value

    Minimum Property Value (on completion) – £175,000

  • Eligible applicants

    Applications may be considered where:

    • National lending is available
    • The completed property value will be at least £175,000
    • Maximum lending is 80% during build or 50%v of plot value
    • Qualified supervision and an appropriate warranty are in place
    • Full planning , costings and a 15% contingency fund have been prepared
  • We are unable to consider

    We cannot currently accept:

    • Guarantor applications
    • Joint Borrower Sole Proprietor (JBSP) applications
    • Projects unlikely to complete within 3 years
    • Projects without the necessary planning or building consents
    • Unacceptable property types or restrictive construction methods
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Your eligible deposits held by a UK establishment of Penrith Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Further information is available here »»
(PDF Version)

Or visit www.fscs.org.uk.

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