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About Wood89

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  1. Perfect my brain has registered that information properly now confusion over 😁👍
  2. So can anyone confirm this query if we get a help to buy ISA it's to help get a mortgage on the purchase of the land only or is it cost of land, kit, and construction? If it's just the land would we need another loan/mortgage for kit and construction 🤯 My head is a mush now 🤦‍♀️
  3. I wish I had known this earlier 🤦‍♀️ I honestly thought it wasnt included for purchase of land/ self build will defo do some research now!
  4. I have done some research into the help to buy ISA and I didn't think you could get the benefit of it if you were going for a self build mortgage 🤔 My parents self built 40 years ago and a few distant friends have also, we see how much other people are paying for a 4 bedroom box of a house with a tiny garden and no garage aberdeenshire prices in some places are crazy, with some decent savings and knowing the right people you can build your dream house in the location you want and when it comes to sell you normally have a pretty decent profit at the end..this would be our forever home and we are in the position of very little out goings and decent wages coming in every month
  5. After our first land plot didn't work out we have found another one we love offers of around 125k in aberdeenshire it already has full planning permission for 1.5 storey 4 bedroom detached dwellinghouse with garage the has mains drainage on site with mains electricity, water supply and phone line located nearby and easily connected...ideally we want to go to a timber frame company with the house designs to get a quote for the kit cost. So my question is once we have a quote for that and we no how much the land is, we would need a quote from a builder for putting the kit up and making it water tight everything else we would do our self as we have lots of trades people in the family, how much of a mortgage do we estimate for? We have a pretty decent deposit but apparently with self builds it's always better to have lots of extra cash as things are never straight forward! P.s we are first time buyers/builders any input would be great thanks!
  6. So we have been looking at another area to build as the one we wanted is on green belt and is going to be more of a headache 🤦‍♀️ We have found a coastal plot with planning permission of either a 3 bedroom bungalow or the choice of a 4 bedroom 1.5 storey house ..and the plot its self with the planning permission is £125000 so on top of that we would have the materials and labour costs to build the 1.5 storey...it is easy hooked up to electric mains and sewage so no need for septic tank installation, does anyone no what kind of quote I would expect from a builder for materials and labour for this as a guide line for how much of a mortgage I would need? Thanks 👍
  7. There hasn't been any applications on the land previously the owner of the land his father used to own alot of the land in the surrounding area and from what I no the owner sold his rather large house for alot of money and has moved to another part of Scotland...i think nothing has been done with it previously as the family had more than enough money to fuss about a small patch of land 🤷‍♀️
  8. So me and my husband have found a perfect bit of land as we want to build our own house ...(field behind my parents house) it has been unused since I was born 30 years... no animals on it or farm work it is just over grown and surrounded by farmers growning fields and my parents house. Went through my friend who is a solicitor and she found out who owns it but she said to make sure we can get planning permission before we approach who owns the land to make an offer she also said as the land has been unused and over grown the owner might not even no it belongs to them...I would like to get the land surveyed and valued before approaching the owner..but I thought for planning permission you needed to prove you owned the land first? And of course I don't want to spend loads of money for the owner to turn round and just say it's not for sale!.. Any information on what steps to take or if anyone has been in the same situation would be great..for information purposes I live in Aberdeenshire thanks