Self-Build Mortgage Broker
A specialist mortgage broker who arranges self-build mortgages - which are released in stage payments as building work progresses rather than as a single sum. FCA authorised and CeMAP (Certificate in Mortgage Advice and Practice) qualified. Essential for self-build projects as standard residential mortgages cannot be used.
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Self-Build Mortgage Broker
Arranges stage-payment self-build mortgages from a panel of specialist lenders. FCA authorised and CeMAP qualified. Accesses lenders not available directly on the high street. Can advise on Help to Build eligibility and structural warranty requirements.
Mortgage & FinanceDevelopment Finance Broker
Arranges short-term development finance for new build, conversion and refurbishment projects. NACFB member. Structures facilities based on GDV (gross development value), loan-to-cost and developer experience. Not regulated by FCA for most development finance products.
Mortgage & FinanceGrant Funding Consultant
Identifies and applies for grants available for self-build and development projects including Help to Build, Boiler Upgrade Scheme, local authority grants and regeneration funding. Fee-based or success-fee model. Particularly valuable on projects in Enterprise Zones and Opportunity Areas.
Mortgage & finance qualifications explained
FCA authorisation is the primary regulatory requirement for mortgage brokers. Here is what the key qualifications and memberships mean for self-build and development finance professionals.
CeMAP is the industry-standard qualification for mortgage advisers and brokers in the UK. Awarded by the London Institute of Banking and Finance (LIBF), it demonstrates competence in mortgage products, regulation and advice. All FCA authorised mortgage brokers must hold CeMAP or an equivalent qualification. A self-build mortgage broker should additionally demonstrate specialist knowledge of self-build lending products and stage payment structures.
All mortgage brokers advising on regulated mortgage contracts must be authorised by the Financial Conduct Authority (FCA). FCA authorisation can be verified on the FCA Financial Services Register. Always check FCA authorisation before engaging any mortgage broker. Note that most development finance (bridging loans, development loans) is not regulated by the FCA, so development finance brokers may not be FCA authorised.
NACFB membership is the principal quality indicator for commercial and development finance brokers. NACFB members must meet entry standards covering qualifications, insurance and conduct. Full NACFB membership with patron lender relationships gives access to a broad panel of development finance lenders. A reliable quality indicator for development finance brokers working on residential and commercial development projects.
LIBF membership and fellowship indicate ongoing professional development in financial services. The LIBF awards CeMAP and other mortgage qualifications and provides CPD resources for mortgage advisers. LIBF Affiliate or Fellow status alongside CeMAP indicates a commitment to professional standards in mortgage advice.
Help to Build is an equity loan scheme for self-build and custom build projects in England, providing loans of 5-20% of the estimated build cost (capped at 20% in London). The equity loan is interest-free for the first five years. A specialist self-build mortgage broker can advise on eligibility and arrange the Help to Build equity loan alongside the main self-build mortgage.
FCA authorised mortgage brokers are required to hold Professional Indemnity Insurance as a condition of FCA authorisation. NACFB members are also required to hold adequate PII. Always ask for a current PII certificate before engaging any mortgage or development finance broker. The FCA Financial Services Register shows whether a broker is currently authorised.