01789201914 enquiries@capc.uk.com

How to create your dream self-build home

Is it your ultimate dream to one day design and live in a home that you’ve created yourself? But perhaps the thought of going into the unknown is putting you off making it happen?

In this article, we’re taking a closer look at the journey of a self-build project so you can easily see the steps you need to follow in order to turn your dream into a reality!

 1. Find the plot

Some people find the first step the hardest part. Finding the perfect location for your dream home can take time, and it’s important that you take the time to explore all these options rather than rushing into the first thing that you find. Think about what is most important to you. Do you want to be far away from the hustle and bustle of everyday life, or do you want to be in the countryside but only a short car journey away from local amenities, such as shops and restaurants? There are various different online search functions that can help you find the land for your project.

 2. Get your finances in order

Funding is crucial when it comes to executing your own self-build project. Not only will you need to have the money upfront to buy the plot of land, you’ll also need a pot of money to build, renovate and furnish the property.

Finding out how much money you can borrow is the first step to sorting your finances out. CAPC can help you find the right self-build mortgage that allows you to create the home you’ve always dreamt of.

 3. Be in control of your budget

Once you have your finances in order, the next important thing is to control this budget very carefully. If budgets aren’t managed properly, self-builds can soon turn into money-pits, which is why they require expert planning from the outset.

Keep a record of all your expenditure and add to it as you go along. Receipts and invoices get lost along the way so it’s always a good idea to keep an electronic record of these.

It’s also important to have a contingency fund in place, just in case things don’t go to plan. You should be very strict and not touch this money, in case you really, really need it. If at the end of your project you haven’t had to use it, you can always put it towards upgrading the furnishings.

4. Find an architect

You can either choose to go for a package that includes the design and build of your home, or you can find an architect and a separate builder. Whichever you decide, it’s important that you determine from the outset whether they can do exactly what you want.

5. Planning permission and approval

Before you can start any work on your project, you need to have the correct planning permission, including building control approval. Now is also a good time to consider what insurances and protection you might need to take out. Your contractors/builders will already have their own insurances but you may still need to take out your own insurance from your provider.

6. Prepare the groundworks

You’ll need to prepare the ground for the work that’s to commence. Sorting out the groundworks includes clearing the ground of any vegetation, plants, weeds etc. and digging out the trenches. Either your ground worker or contractor would carry out this work, followed by any drainage that is needed.

7. Start building

Now the groundworks are sorted you can start with the exciting bit – the actual building of your home. The creation of your house will typically follow these stages:

1. Foundations

2. Wind and weather tight (roof, doors and windows in)

3. First fixing (electrics, carpentry, plastering)

4. Second fixing (electrics)

5. Final decoration

8. You’ve done it!

Well done! You’ve made it through to the end and now you can sit back, relax and enjoy all your hard work. And if you have any energy left, you can spend it putting those finishing touches to your decor.

Here at CAPC, we offer mortgages for all circumstances, including those that are a bit more specialist, like self-build. Please feel free to get in touch with us if you would like to discuss your self-build mortgage in more detail.


For further information call: 01789 201 914

Or email: enquiries@capc.uk.com


Submit a Comment

Your email address will not be published. Required fields are marked *

Contact our expert advisers now

Call free from landline or mobile


Not the right time for a call? Email us and we can arrange a good time to discuss your needs


Mortgage Blogs

What Protection Should I Consider When Getting A Mortgage?

What protection should i consider when getting a mortgage?   For most people, the biggest expense in life will be the mortgage for their house, so it makes sense that you think about getting protection in case you need help to pay your mortgage at some point in...

What Is a Mortgage In Principle

What is a ‘Mortgage in Principle’?  When you are in the early stages of applying for a mortgage, you may come across a number of terms that you are not familiar with or that you do not fully understand. The term ‘Mortgage in Principle’, sometimes referred to as a...

How To Get A Credit Score For Free

How to Get a Credit Score for Free  There are certain times when it is important to have a good idea of how your financial background will be regarded by potential lenders, for instance, when you are applying for credit and particularly if you are applying for a...

Does Gambling affect my mortgage application?

Does gambling affect your mortgage application?  Applying for a mortgage is a process that will involve heavy scrutiny of your financial history and current income and expenditure. A house mortgage is probably the biggest loan you will ever take out, so banks will do...

A Guide to Residential Mortgages

What is a residential mortgage   A residential mortgage is a loan of finance that enables someone to acquire a house to live in. The mortgage will usually be provided by a bank or building society, with a term agreed over which to pay back the loan. The amount...

The Ultimate Mortgage Guide

Are you planning to get a mortgage, but don’t know where to start? This ultimate guide to mortgages will tell you everything you need to know to secure yourself a mortgage.

7 Ways To Fall Back In Love With Your Home

Every now and then, everyone needs a little pick me up, including your home. Over the years, scuffs and scrapes can make a house look untidy and you can soon fall out of love with your home, which becomes a place just to rest your head, rather than a space to relax...

What You Need To Know When Buying A House With a Friend

Buying a house with a friend could be a great way for you to get on the property ladder quicker than if you were buying by yourself, plus, you won’t have to take the financial hit quite as hard when there’s someone to share the cost with. However, there can be some...

What’s the mortgage process for buying a new build home?

As we’ve seen from our previous article, there are many reasons why you might want to buy a new build home. Many people like the fact that the property comes with the safety net of guarantees, plus you can choose your own fixtures and fittings that suit your style,...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

©2019 |CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.

Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number:08820469

We use cookies on this website to give you the best experience we can. To find out how to turn off cookies, have a look at our privacy & cookies policy