How self build finance works
Financing a self build is fundamentally different from buying a finished home. You are funding both the purchase of land and the cost of construction, often at the same time, and the money usually needs to be released in stages as the build progresses.
Planning ahead is essential. Before you buy a plot or sign any contracts, you should have a clear picture of where your money is coming from and how much you can access at each stage of the project.
Self build finance is typically structured in tranches, funds released at key build stages (foundations, wall plate, roof, wind and watertight, first fix, completion). This is very different from a standard residential mortgage.
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