Harpenden – Self Build rate 3.69% / 4.19%

They manage complex cases and income, offer bespoke solutions and provide flexible underwriting.

Additional product features:

•    Standard Self Build – up to 65% LTV, available anywhere in England or Wales
•    Premium Self Build – up to 75% LTV, available in London and Home Counties
•    Knock Downs, Re-Builds & Refurbishments – Residential Developments
•    No ERCs
•    Flexible construction types (valuer comments dependent)
•    Self-build retention releases not linked to stages
•    Independent self-build product
•    Flexible draw down options (Premium product only)
•    Up to a maximum of three properties being built, one of which to be subsequent main residence (Premium product only)
•    Development self build also available

They have the expertise and experience to specialise in managing complex cases – delivering specialist solutions for brokers – of which other lenders and algorithms may not be able to adapt too.

Every policy is underwritten manually by an expert, which enables them to create highly flexible solutions to complex mortgages. They consider many forms of complex income, including pension, trust income, maintenance and investment as well as standard employed and self-employed. Harpenden believe a specialist lender, experienced in the self build area, is absolutely key and they can guide you through the opportunities that lie ahead.