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  1. So as the property market continues to flop in our neck of the woods, we have decided not to sell our current property and instead rent it out. ....which then raises the issue on how to finance the rest of our self build... realistically we are about 70% complete but as we cannot release the equity from our current home are now looking at self build mortgages... Our main issue appears to be warranty. We have literally self built (joiner) , so apart from building control have no certifications. "Only" looking for about £50k against what will hopefully be a £400k/450k property, but it's clearly not finished. How finished does a house need to be for a normal mortgage?!