BuildLoan Joins Connect Panel for Self-Build Mortgages | Connect for Intermediaries has expanded its specialist lending panel by adding BuildLoan, the UK’s leading provider of stage payment mortgage finance. This strategic partnership equips advisers with a powerful solution for clients pursuing self-build, custom build, renovation, or conversion projects, where standard mortgage structures often fall short.
What Is a Self-Build Mortgage?
A self-build mortgage is a specialist lending product designed for individuals constructing their own property from the ground up. Unlike a standard mortgage, which releases funds in a single lump sum to purchase a completed home, a self-build mortgage releases funds in pre-agreed stages aligned with key milestones in the construction process.
This stage-payment mortgage structure helps reduce risk for both the borrower and the lender. It ensures funds are deployed only when certain construction phases are complete or approved, supporting cash flow stability throughout the build.
If you’re new to this type of finance, visit our Specialist Mortgage Network for Advisers to see how we support complex cases like self-build, renovations, and conversions.
How a Stage Payment Mortgage Works
Self-build mortgages distribute funds incrementally as your project progresses. Typical release points include:
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After land acquisition
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Once the foundations are completed
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When the structure becomes “wind and watertight”
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As internal fixtures and final finishes are added
This model ensures cash is available when needed, rather than after the fact, helping clients manage contractors, suppliers, and materials without costly delays.
Arrears vs. Advance Stage Payments
There are two core structures for self-build finance:
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Arrears Stage Payment Mortgage
Payments are made after each construction stage is completed and inspected. This option may suit borrowers with upfront funds to cover early costs while waiting for reimbursement. -
Advance Stage Payment Mortgage
Payments are made before each stage begins, based on a fixed schedule. This approach is often better suited for clients with limited initial capital and those who need assurance that funds will be available when needed.
Our partner BuildLoan, now part of the Connect panel, specialises in the advance payment model, offering up to 95% funding, full cash flow analysis, and AI-enhanced case management. Learn more in our BuildLoan Joins Connect Panel update.
A Specialist Solution for Complex Self-Build Lending
Self-build and renovation finance often present challenges far beyond traditional mortgages. These projects typically involve valuation-linked, arrears-based lending, which can disrupt construction timelines and lead to significant cash flow issues.
BuildLoan offers a unique alternative, cost-based, pre-agreed stage payments, with up to 95% funding available at key milestones. Their model includes a full cash-flow analysis and ongoing support from a dedicated case-management team. This proactive structure ensures funds are released when needed, helping borrowers stay on schedule and in control.
What This Means for Mortgage Advisers
For brokers within the Connect network, this addition unlocks a Consumer Duty-compliant, end-to-end service that supports better client outcomes and reduces advisory risk.
Jane Benjamin, Director of Mortgages at Connect for Intermediaries, commented:
“We’re thrilled to welcome BuildLoan to the Connect panel. Their expertise in self-build mortgage lending is a significant asset for our network of advisers particularly as the expectations under Consumer Duty continue to evolve. Advising on self-build and renovation projects demands in-depth knowledge, structured support, and the right tools. BuildLoan’s comprehensive, end-to-end approach—including guaranteed stage payments, cashflow analysis, and case management empowers brokers to deliver compliant, evidence-based recommendations with confidence.”
Thomas McSherry, National Business Relationship Manager at BuildLoan, added:
“Partnering with Connect allows us to extend our proven stage payment mortgage solution to a wider network of mortgage professionals. Clients undertaking self-build or custom build projects need more than capital they need a clear plan, expert guidance, and timely access to funds. Our tailored approach, supported by AI-powered cashflow modelling and professional case oversight, ensures brokers can manage even the most complex builds while staying fully aligned with Consumer Duty requirements and delivering strong outcomes.”
Meeting Consumer Duty with Confidence
With the rise of Consumer Duty regulations, advisers are expected to ensure every mortgage recommendation is clearly suitable, documented, and outcome-oriented. BuildLoan’s offering directly supports these goals.
By partnering with Connect, advisers can access:
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AI-driven cashflow projections for every case
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Full documentation support for evidence-based advice
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Proactive case management to flag risks early
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Mortgage solutions that match clients’ build timelines and budgets
These capabilities align directly with Connect’s focus on giving brokers access to specialist lending solutions backed by industry-leading compliance support.
Looking for More Specialist Lending Options?
This partnership further strengthens Connect’s reputation as a leading mortgage network for advisers. Whether you’re advising on complex cases or working with high-LTV clients, Connect offers tailored support for specialist niches.
Internal Support to Help Brokers Deliver
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