BuildStore Mortgage

Build your dream home with secure funding

Comprehensive Support for Self-Builders

Building your dream home is an exciting journey, but securing the right funding is crucial. BMSL provides complete support services to guide you through every step of the financing process. From understanding your borrowing options to structuring your mortgage around your build schedule, their team of specialists ensures a smooth and stress-free experience.

What is a Stage Payment Mortgage?

Unlike traditional mortgages, stage payment mortgages are designed to release funds in phases, either in arrears or in advance, to align with the progress of your build. Depending on your specific needs, these payments may be:

Valuation-Based Stage Payment Mortgages

Funds are released after each stage of work is completed, based on an uplift in property value as assessed by a lender’s valuation.

Cost-Based Stage Payment Mortgages

BuildStore’s exclusive cost-based mortgages provide guaranteed stage payments based on your build costs, ensuring you receive the necessary funds when you need them, regardless of interim lender valuations.

Unique Benefits of BuildStore Mortgages

BMSL offers mortgage solutions that provide unparalleled benefits tailored to your

Custom Build project at Tom Na Crois:

Higher Borrowing

Potential

With a valuation-based mortgage, you can borrow between 70 to 85 percent of your plot and build costs. However, Buildstore’s exclusive cost-based mortgage allows borrowing up to 95 percent of your plot and build costs and up to 85 percent of your completed home's value.

Certainty and Security

Cost-based mortgages provide guarantee stage payments, allowing you to plan your budget with confidence, ensuring you can meet your contractual payments to Rochead & Irvine Construction Ltd.

Tailored Solutions

Your mortgage will be structured around your circumstances, build type, and payment schedule, ensuring the best financial support for your project.

Expert Guidance Every Step of the Way

Choosing the right mortgage is a crucial part of your self-build journey, and BMSL will be with you every step of the way. From initial advice to the completion of your home, they provide hands-on guidance, ensuring you have the financial support and expert advice needed at each milestone. Their team will assist you in budgeting, managing cash flow, and navigating complex financial decisions, helping to mitigate risks and keep your build on track. With BMSL and Rochead & Irvine Construction Ltd, you’ll have trusted partners by your side throughout the entire build process, ensuring your home at Tom Na Crois is constructed with financial security and peace of mind.

For more information and expert advice on funding your Custom Build home at

Tom Na Cross contact us on: