How do I apply for a mortgage for a self-build or renovation?

So, you want to commission a one-off build or build your own home? Will a lender work with you? We consult the experts

When renovating, it’s vital to get the estimated valuation of the finished property right. Picture: iStock

Self-building can cover everything from boldly commissioning a house, and rarely putting a welly on site, to getting truly, deeply hands-on. Additionally, every year, many brave DIY warriors and seasoned trades dive into serious and essential renovations of their forever home.

So, what are the general rules around self-build and renovation mortgages, and how available are they?