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First steps to follow

Set a realistic budget

Take a sensible approach to your budget and your project won’t turn into a money pit like those seen on shows such as Grand Designs. Set a firm, realistic figure before the design stage begins, but include a contingency (10-15%).

Arrange financing

Whether through a bank or a dedicated self-build mortgage company, your next step should be to secure funding. That way you will know exactly what your budget is from the start, and when you find a plot you love, you will be able to seal the deal before it gets sold out from under you. Self-build mortgages often work on a stage payment basis, in which funds are released at key points throughout the project, either in advance or in arrears, depending on the product you choose.

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