Stage valuation %

[gc86]

Could anyone advise in their experience, the % of the projected finished value, which was reached at each stage? Ideally based on a timber frame/closed panel build.

 

Foundations completed

Wind and Watertight

First fix

Second fix

Completion

 

I'm trying to estimate cashflow through our self build, but I only have builders cost at each stage and the final valuation from the mortgage surveyor.

 

Obviously there will be some variations of work done at each stage between projects, but even a rough idea would help greatly.

 

Think this would also be very helpful for prospective self builders.

[Nmcchug]

Hi there, I am just beginning my self build journey and have just been trying to research valuations per build stage myself and unable to find anything to help gauge cash flow from mortgage. Did you ever find the answer to this !?

[Selby_self-build]

Hi both, I’m about to embark on a self-build and trying to find out these rough percentages too. Did you ever get any answers? Thanks. 

[Nickfromwales]

  On 09/03/2025 at 23:59, Selby_self-build said:

Hi both, I’m about to embark on a self-build and trying to find out these rough percentages too. Did you ever get any answers? Thanks. 

Expand  

It’s usually at (after) significant building control sign off milestones. 
 

Foundation and groundwork’s done, then signed off by BC, inspection by bank, then payout,

 

then structure, then sign off by BC, inspection by bank, then payout

 

then doors and windows, same 

 

then 1st fix M&E, same 

 

repeat. 
 

Your lender will be the only person who can provide definitive detail for this, in line with their own criteria, so don’t go by anything that anyone else tells you  

[Dave Jones]

you dont need sign offs to get paid. 

 

When the QS visits, he will check the progress on elements. for example if the walls are half done you can claim half the QS cost. 3 out of 5 windows in same etc etc

 

They wont pay for any materials on site that are not built in.

 

Found them very reasonable. Go through your QS and mark it up showing % completion of the elements and email it them before the visit.

[Temp]

If you are using a builder it's normal to subtract any agreed retention (5-10%) from each stage payment so you arrive at the end still owing this agreed amount. At least that's what my QS said.