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If you have spent any time watching the news or flicking through a newspaper lately, you will have no doubt seen and heard that we are currently in the midst of a housing crisis. Not enough new homes are being built around the country to keep up with the demands of those who want to buy a new home. As a result, more people are staying in the rental market. As it currently stands, this isn’t a particularly stable position to be in, financially speaking, as it means that few people are now investing their hard-earned cash in property for the future.
But there is one option that you still have to get a home of your own – you could always build your own! Lots of people are now embarking on self-build projects in order to get their foot on the first rung of the property ladder. In fact, there might be more people self-building than what you realize. That’s because you don’t need any experience of building to work on your own home as you can outsource most of the construction work.
Do you think that self-building a home is the way forward for you and your family? If so, you should read on and find out all of the following great tips that will help you build your way to your ideal home.
Make Sure Your Whole Family Are Onboard
First of all, you need to make sure that your whole family are onboard with the idea of building a new home. This is especially important for you and your partner. If one of you is not entirely sure about the project, then it’s a good idea to either sideline it for a few months or a couple of years until you are both completely behind it. You might just need to have a few honest and frank discussions in order to bring them round to the idea. You certainly shouldn’t go ahead with building your own home if your relationship is currently strained as it is. Building a house together and managing the whole project will be exceptionally stressful, and you might find that this adds to the strain of your relationship. You might not come out the other side in one piece!
You Still Need A Mortgage
Do you have any idea how you will pay for the self-build project? Even though building your very own home often works out slightly cheaper than buying one, you will still need quite a bit of cash behind you to fund the whole project. If you have enough savings in the bank, then you should be able to support your project with this money. However, if not, you will need to go to the bank and take out a mortgage. There are now many different mortgages available for those who wish to build their own home. These are often different to a mortgage for buying a house as you will be paid the money in a few different installments. These are often agreed to when you arrange the mortgage. Before any bank manager agrees to give you a mortgage, you will have to show them your building plans and any blueprints that have been drawn up. You should also have a rough time scale outlined for the project so that you can give the bank manager an idea of how long it should take you.
Your Plot Won’t Be Perfect
Next, it’s time to find a plot of land to build on if you don’t already have one. It’s always a good idea to spend plenty of time viewing a few different plots to find the one that is best for you and your new home. Things to consider include the location, quality of the land, and how easy it will be to get the construction trucks and lorries onto the plot. There is a good chance that not one plot you will see will tick all the boxes on your list. But this is very normal. In fact, you shouldn’t go out expecting to find the most perfect plot of land for your new home. That rarely happens. Rather than letting a plot’s disadvantages put you off, you should instead figure out how you can turn them into advantages by changing and altering the design or layout of your home. By working with the plot in mind in this way, you will find that you can create a house that seamlessly slots into the plot you have chosen.
Set Your Budget Early
Once you have organized all of the finance that you will need for your project, you will then need to come up with a budget so that you can effectively manage your money throughout the whole project. This will prevent you from overspending early on and ending up using too many of your savings or running up a debt. Once you have created your budget, you need to try and stick religiously to it as much as possible. It’s also a good idea to let your contractors and building workers know what your budget is from the outset. Tell them that you are unable to go over it. That way, they will have a good idea of how much you are able to pay them for the whole project and how much you have to spend on materials and equipment. If you don’t tell them, they might end up overspending on your behalf.
Work Your Design Around The Plot
Now that you have your plot of land all sorted and you know exactly what your budget is going to be, you can start to design your new home. But before you do, it’s important to remember that you should always work your design around the plot of your house. Whatever you do, don’t create a house design and plan without taking into account the plot. Otherwise, you might find that the home doesn’t fit well into the plot of land. This could cause numerous issues for the construction workers. Not only that, though, but if your home does fit into the plot it might not look entirely right.
Submit Planning Permission
Once you have decided on a final design for your home and are happy with how it will fit into your plot of land, you then need to submit these plans to your local planning office. This is a legal requirement for all build projects – before you begin any work at all, you need to gain the right planning permissions. Once you submit your plans, the building regulators will take a look to ensure that it meets all of the necessary requirements for buildings in the area. Plus, it needs to pass various health and safety regulations. Once your plans get passed, you can start to get to work on the project. However, if your plans fail to meet the various requirements, you will need to tweak and change them until they do get passed. There might be some instances, though, where no amount of changing will help your plans get passed. In this case, you simply won’t be allowed to build your house so will need to go back to the drawing board and think about your other options.
Chat To Contractors About Potential Issues
Once you have hired some contractors to help you get your project done, it’s worth talking to them about any potential problems that they think the project might run into. That way, you can consider your options to resolve these problems before they occur. For instance your builders might think that the type of land they are building on could cause structural issues further down the line. Soft ground could lead to foundation repair being required in the distant future, for example. Thankfully, though, if the builders anticipate these problems now while they build the house, they should be able to consider various ways to improve the structure and to bring the risk of these issues down to a minimum.
Keep Your Neighbors Happy
When the building does begin, it will be necessary to try and keep your neighbors as happy as possible. After all, you will have to live with them on either side of your house once your new home has been built. If they were angry with how your self-build project was carried out so close to their home, then they could stay annoyed with you for a few years to come! There are a few things you can do to help keep the neighbors on your side. For instance, you need to let them know in advance that there will be lots of building and construction work taking place. It’s also a good idea to try and warn your builders to keep noise and other disruptions down to a minimum as much as possible.
Still think that building your own home could be something for you and your family? Hopefully, all of the above tips will help you create your perfect family home!
Good luck with it all!