Everything you need to know about building your dream home

'Everything you need to know about building your dream home' blog post banner

The Glen self build by Reid Architectsimage credit: Reid Architects

Did you know that almost 20,000 people a year in the UK fulfil their dreams and construct their own homes? The website Self Build suggests that as long as you follow some basic guidelines this vision can become a reality for all.

Regent Road self build by architecture:mimage credit: architecture:m

Start with a legal search

The budget is always important, but so is the availability of your chosen building site. You may have seen the most desirable plot of land in the world, but it’s no use starting to dream of house building until you have verified that the land can be used for building purposes. If you’re planning to build overseas, then you should use the services of Vanner Perez Notary Services who can offer translation as well as legal services for land and property purchase overseas.

Wedge House by Soup Architectsimage credit: Soup Architects

Set a realistic budget

Don’t just take the cost of the build into account. It’s a good idea to remember that very few building projects run to plan, so, if possible, include contingency funding within your budget. You’ll also have to include the cost of a good architect, planning permission fees with the local authority, as well as your own living expenses while the project is ongoing.

If you’re a good organiser, then by all means take responsibility for project management yourself. If you feel at all uneasy about this role, then appoint a manager for your self build. This appointment could save you money, and you’ll be confident that all aspects of the project are being completed to your satisfaction.

passivhaus self build by Forrester Architectsimage credit: Forrester Architects

Getting a mortgage for your self build

You can’t build your own home unless you have the financial means in place. Special mortgages for self builds are available but you’ll also need to have funds or savings of your own in order to get the project started. The Build Store website is an excellent resource for accessing building societies and other information concerning finance and self building.

The most popular type of mortgage is the ‘advanced stage payment’ that will release the funds before the build starts so that you can get going with the job. Funds will continue to be released at regular intervals throughout the project. The ‘arrears stage payment’ mortgage only allows money to be released after each stage of the build is completed. This might not be such a good option if your workforce needs money in advance in order to proceed with the build. You’ll have to prove that you’re able to maintain the mortgage payments whilst the project is in progress.

New House, Stow self build by Jefcoate Anderson Architects Ltdimage credit: Jefcoate Anderson Architects Ltd

Enjoy your project

Despite worries about finance, builders and a thousand and one other niggles, building your own dream home is rewarding. You’ll end up with a house that you have planned to suit your tastes, and your family’s needs. Many self builders have slashed their utility bills by designing an eco-friendly property; others have created innovative gardens around their new home. The possibilities for creating the house of your dreams are endless. Once the project is completed you’ll be able to sit back and enjoy the benefits that come from building your dream home.