Amateur bob

Good afteroon, i have been speaking to 2 well known mortgage brokers to lend me money to build a house on the farm, they have come back to me with the options chorely and hanley economic, the only issue is that the plot is next to the farm and 30ft from a shed and the track in is 600m long and isnt tarred, theyve both told me its an 8 week process applying and at the end of this time period the valuer goes out to the site and the whole deal is subject to the valuers comments regarding how easily resaleable the plot is if it has to be reposessed ive been warned that this could be a stumbling block, what are peoples thoughts? should i scrap the self build loan idea and instead apply for a business loan and secure it on some fields thefarm owns? id be looking at an extra 2,5% interest rate with this option although offseting against tax should reduce this thanks

what lender did mayflower set u up with?

any word on them reentering the market?

any word on when they are reentering the market?

what lender did mayflower but u in touch with?

The architect said it still needed done when i spoke to him although the called a sepa condition🧐

Cheers ive only just contacted a civil engineer today so hopefully hes quick

was it a condition that had to be met before the build could start?

did it take long? or is SEPA consent something different from the CAR license?

the building warrant is passed a few months ago but the CAR license is still to be done?

Good morning i now have a builder lined up for starting in feb but have now found two outstanding planning conditions that i was told had been taken care of by architect but i hadnt checked until now so my fault, i will paste below, has anyone on here delt with similar matters before or know a rough timescale for setting these right? I will get in touble if i try to deal with these while the house is being built? Any advice appreciated, Thanks 9. Prior to the commencement of the development hereby approved, a detailed landscaping and planting scheme for the site shall be submitted for the written agreement of the Council as Planning Authority. The scheme shall include details of the height and slopes of any mounding or recontouring of the site, full details of all hard landscaping proposals including materials and installation methods and, species, height, size and density of trees and shrubs to be planted. Information shall be included to demonstrate how biodiversity will be enhanced within the site. The scheme as subsequently approved shall be carried out and completed within the first available planting season (October to March) after the completion or bringing into use of the development, whichever is the earlier, and the date of Practical Completion of the landscaping scheme shall be supplied in writing to the Council as Planning Authority within 7 days of that date. The scheme as agreed and implemented shall thereafter be maintained to the satisfaction of the Council as Planning Authori Development shall not commence until the applicant has submitted approved CAR licence(s) under the Water Environment (Controlled Activities) (Scotland) Regulations 2011 for the drainage infrastructure associated with this project to the Council as Planning Authority and the Planning Authority has confirmed receipt of the documentation in writing

i am looking to see what kind of mortgage i can get to build a house, who is the best mortgage broker to contact or should i approach multiple brokers? i am based in central scotland, cheers

i am building a house next year and currently looking into this, the house is being built in the farmyard so will never be sold but do i need this HNBC warranty to get a mortgage?

who did you end up going with for your mortgage in the end? cheers

good afternoon, i noticed you say you were able to use your turnkey building contract to put to the lender im just curious is a contract with everything included listed and a total cost figure acceptable or did you get the builder to fully itemise each stage? some of my builder quotes have everything for each stage costed some just have a list with a total, cheers