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Hi, We are a family of 5 looking at our first self build project to build hopefully a 200sq m family home for the next 15-20 years. Land is £205k, with a build budget of c£350k. We have managed to secure a site with some land under offer which has outline planning permission. We have been reading up and engaging with architects and contractors but would really welcome some advice around: 1. Project cashflow - We have savings (house sold and currently renting), that could purchase the land but not complete the build. Funders seem to want the land to have final planning in place before they will fund any purchase, but how can we make this work if land currently has outline planning but not final. Have others bitten the bullet and bought land with outline and then refinanced the project later down the line? 2. Land title - The land is being split off from a current title and we have concerns about access for services etc, have people moved forward discussions on services and the cost of getting these to a site before completing on a land sale, as they have quite a significant impact on budget? Thank you for any help and advice its greatly appreciated.

So, I've just purchased a house that comes with a nice side garden to build on...and started the 19 year mortgage to pay for it all....! I want to build a house on that garden, so plan to do up the current house and sell it. I was planning to rent it back from the new owners for 6 months, immediately start the new build and move in when ready but timing the financing with a timber framed kit would be difficult. The problem as I see it is the lead time for the timber frame, windows and the builder. While I could afford the deposits, until I pay off the old mortgage I can't draw down any funds to pay the balance as things arrive onsite. Options: I could have everything lined up for the date I expect the sale to close, place deposits for everything, book builder, but end up having no way of funding the build should the buyer or bank delay or worse, pull out. Alternatively and more realistically, I wait until the sale closes, pay off the existing mortgage and THEN book everything but it would be 3-6+ months before anything happens on site. I could convert my mortgage into a buy to let and also get a self build mortgage but based on figures I saw this morning that would only provide about half of what I'd need to finish the new house. It would drag the build out over a few years at best, stretch me and finances but I'd end up with two houses when I eventually finish. And that's if the sums work! It looks unlikely I'll be able to stay in the current house to see the build through. I'll have to manage access to services with the new owners and all the noise & mess without falling out with them. I have a friend around the corner and a sister living nearby so I'll have a roof over my head at least, rather than a caravan, and can keep an eye on things that way. There are other construction options which don't have such a high initial cost but I'd prefer a factory built house and get as near to Passive as I can. I suppose I've 19 years to think about it but would like to move in sooner than that!