How do ecology BS value each stage of the build

[PSC88]

Hi anyone with expertise with ecology stage valuations and draw downs?

 

they don’t follow typical stages or give a clear indication of how much they will release at each stage only that they will release funds as the build progresses.

 

i have a mortgage that will release up to 65% of the value at any one stage.

 

i drew down the max 65% of my plot valuation to clear my previous residential mortgage (knock down and rebuild) and this left a small buffer to commence the build.

 

i have enough funds to get to foundation and block and beam using the buffer and personal savings.

 

im planning on then getting them out to value and release funds. The question is will they release enough to get to the next stage! And what stage would I then be calling them out again? 
 

my build is quite heavy in the earlier stages up to wind and watertight and would be great if I could budget effectively .

[Conor]

Depends on the valuation. The getting out of the ground stage is the most expensive part, but also adds the least value. You really want some walls built before you get the valuer out. Get as much money as you can at each stage. Our biggest regret is not drawing down more!!!

[deancatherine09]

On 02/07/2026 at 00:16, PSC88 said:

Hi anyone with expertise with ecology stage valuations and draw downs?

 

they don’t follow typical stages or give a clear indication of how much they will release at each stage only that they will release funds as the build progresses.

 

i have a mortgage that will release up to 65% of the value at any one stage.

 

i drew down the max 65% of my plot valuation to clear my previous residential mortgage (knock down and rebuild) and this left a small buffer to commence the build.

 

i have enough funds to get to foundation and block and beam using the buffer and personal savings.

 

im planning on then getting them out to value and release funds. The question is will they release enough to get to the next stage! And what stage would I then be calling them out again? 
 

my build is quite heavy in the earlier stages up to wind and watertight and would be great if I could budget effectively .

 

Exactly that. They will release up to the 65% of the value they deem it at the time. Ours was 80% but worked the same, say value is £500k, they would release up to £400k and so on.

 

You can have them out as many times as you want to do a valuation to release more funds but obviously they charge a valuation fee each time. 

Edited Friday at 10:40 by deancatherine09

[PSC88]

Did you find the valuations were sufficient to progress your build?

 

my only concern is they deem the valuation lower then the funds needed to progress to next stage 

 

 

[deancatherine09]

It depends on your build method. We had Timber Frame - all payable before it even arrived on site so it was a bit touch and go at times - but we had a fair buffer to start with! A traditional build would be a lot easier.