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  1. Hi all Currently finalising missives (contract of sale - Scotland) to purchase our land which is subject to planning and finance. The next step will be to put planning permission on the land then when planning is in place we can apply for the self build mortgage which will cover part the land cost too (we have £100k cash, the land price is £250k. Buying the land outright isn’t an option for us) The sellers asked for 6 weeks from planning approval to complete the sale however my financial advisor said we need minimum 12 weeks and ideally 15 to get the mortgage application through. My lawyer is now negotiating this point with the other side. They have agreed to 12 weeks but not 15. My financial advisor feels uncomfortable with this. The position would be that the sellers could then walk away if we don’t complete within this time frame, we would lose the sale and all of the money (£30k+) time and effort that will have gone into the project by that point. They will be left with land that has planning on it, so more valuable. Has anyone got any experience of a similar legal contract? are there any loop holes we could add in to further protect ourselves if there were any delays outwith our control? Has anyone got experience with mortgage application timelines? We are looking at buildloan and will prepare all we can upfront including costings, ready to apply as soon as planning is in place. Any ideas, experiences or suggestions are welcomed! Thank you.
  2. Hi, We have a selfbuild mortgage with Newcastle Building Society through Buildstore. Both companies have been good to work with so far. We originally scheduled the selfbuild stage to take 3 years which was up at the end of last year (2020). Nerwcastle were happy to extend that (though it cost us another 12 months indemnity insurance) until end of 2021. As we approach end of 2021 we find that we are gpooing to need another year (we are doing this entirely self built, through pandemic, home schooling and a few other hiccups giving us delays). Does anyone have any experience how tetchy / twitchy Newcastle are likely to get? I am wondering if they will want to do a big inspection or what their reaction might be? I am clueless what to expect and though I'm happy tpo handle anything I'd like to know what attitude or difficulties this is likely to throw up for us? We are not struggling with budget it is just(!) the timeline. Any wise words?
  3. So as the property market continues to flop in our neck of the woods, we have decided not to sell our current property and instead rent it out. ....which then raises the issue on how to finance the rest of our self build... realistically we are about 70% complete but as we cannot release the equity from our current home are now looking at self build mortgages... Our main issue appears to be warranty. We have literally self built (joiner) , so apart from building control have no certifications. "Only" looking for about £50k against what will hopefully be a £400k/450k property, but it's clearly not finished. How finished does a house need to be for a normal mortgage?!
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