Building Wihout Morgage

Pauric Mc

Has anyone here built their house without a mortgage? I have my own site and can do a lot of the work myself including the digging work, How much money would we need in a lump at a time for say windows/plumbing/ roofing? If we got i closed up and plumbed and wired the inside work can be done bit by bit,

BryanF

http://www.boards.ie/vbulletin/showthread.php?t=2056921361

Have a read, I see this as a hurdle

Pauric Mc

O I know all about them!! still use the architect and build to the spec,

whupdedo

Pauric Mc wrote: »

Has anyone here built their house without a mortgage? I have my own site and can do a lot of the work myself including the digging work, How much money would we need in a lump a, a time for say windows/plumbing/ roofing? If we got i closed up and plumbed and wired the inside work can be done bit by bit,

Very open ended question
1 how big is the house
2 what's your budget
3 what's the ground at the building site like

A friend of mine is building a 2 story 2700 square foot house that he has budgeted 60 thousand for, which he hopes will build, roof, windows, and plaster it, he has what could be said is the perfect site. ie minimal site dig, and he has spent 15 grand on the foundations alone, in which he has done all the concrete and blocklaying himself with minimal help.

Doing it bit by bit and trying to save as much as possible theirs a good chance you will still spend anything between 55 to 75 euro per square foot

Gumbo

Pauric Mc wrote: »

O I know all about them!! still use the architect and build to the spec,

Will that Architect sign his name, put his name at risk and place his PI insurance policy under pressuer to allow you to self build?

Remember the Assigned Certifiers are now relying on Anchillary Certificates from the people putting the house together on the ground.

bennybreezer

Hi, I built a house in Galway without a mortgage there over the past 4years. All you need is for your Engineer/Architect to sign off the individualstages. You will need a registered spark to do your electrical work, or ESBwon't connect you. I went to the banks and they made me jump through hoops,delighted I didn't take them up on their offer now as I've no mortgage. If timeis on your side, go for it!

Happyman42

bennybreezer wrote: »

Hi, I built a house in Galway without a mortgage there over the past 4years. All you need is for your Engineer/Architect to sign off the individualstages. You will need a registered spark to do your electrical work, or ESBwon't connect you. I went to the banks and they made me jump through hoops,delighted I didn't take them up on their offer now as I've no mortgage. If timeis on your side, go for it!

Any links, resources that you used?

mickdw

But from march this year, that option will prove very difficult.

R P McMurphy

Pauric Mc wrote: »

Has anyone here built their house without a mortgage? I have my own site and can do a lot of the work myself including the digging work, How much money would we need in a lump at a time for say windows/plumbing/ roofing? If we got i closed up and plumbed and wired the inside work can be done bit by bit,

Some interesting projects around the country, such as this <snip>

bennybreezer

mickdw wrote: »

But from march this year, that option will prove very difficult.

I'd check this out, basically from 1st March 2014 you need to use a registered builder.
http://www.c-r-l.com/ireland-minister-hogan-announces-building-control-amendment-regulations-2013/

I've a local Architect/Engineer who signs off each stage for me.

mickdw

bennybreezer wrote: »

I'd check this out, basically from 1st March 2014 you need to use a registered builder.
http://www.c-r-l.com/ireland-minister-hogan-announces-building-control-amendment-regulations-2013/

I've a local Architect/Engineer who signs off each stage for me.

I'm well aware of what is coming in. I'm an Engineer who until now was certifying building works. It appears the minister has attempted to clarified the issue re self builders saying that there are no issue just that the self builder must take on on all responsibilities of builder. Yet again this is putting all the responsibility on the engineer as the only professional present throughout the build. The engineer will also it seems be the only individual carrying insurance past the build stage.
From my point of view, should I be certifying works going forward, I would only do so where a reputable builder known to me was undertaking the build as at least there is then a strong possibility that they will still be in business should any issues arise.

aerotuned

Give €10-15 k for roof with material and labour ,depending on the structure off roof, hips , valleys , dormers? Size.
€ 15-10 Same for blocks really , material and labour,
Windows again depending on who u choose, <snip> are probably the cheapest and decent qui linty for there standard window.
All is easily manageable I'm sure u have mates in the trade who will give mates rates.

galwaytt

mickdw wrote: »

I'm well aware of what is coming in. I'm an Engineer who until now was certifying building works. It appears the minister has attempted to clarified the issue re self builders saying that there are no issue just that the self builder must take on on all responsibilities of builder. Yet again this is putting all the responsibility on the engineer as the only professional present throughout the build. The engineer will also it seems be the only individual carrying insurance past the build stage.
From my point of view, should I be certifying works going forward, I would only do so where a reputable builder known to me was undertaking the build as at least there is then a strong possibility that they will still be in business should any issues arise.

I see your point: but is there a danger you'd be putting yourself out of work ? Some people, no matter what advice, won't use builders, period.

BryanF

galwaytt wrote: »

I see your point: but is there a danger you'd be putting yourself out of work ? Some people, no matter what advice, won't use builders, period.

What's the alternative for the professional certifier under the new regs? Sign an risk prosecution/ fine/ prison ? I would decline that business.

musgravedk

Hi,

I managed to build a house without a mortage over the last 5 years, started when i was 27 so its been a struggle, the house is 2700 Sft , we have still some upstairs bathrooms to finish but we have spent 100,000 so far perhaps another 20-30 k should leave eveything just perfect, we moved in and where happy mortage free means i can live life without being a slave to the bank thank god! , spent a lot on insulation which is so vital, plus we did all ground works ourselves, painting and plastering and slabbing, th rest was done at "mates rates" But i would think that it will be almost impossible to this this sort of thing under the new regs. professional fees alone will be a major factor

fifib

in the middle of a new build with no mortgage. we had a good bit of savings before we got the planning permission so we said we'd plough ahead and see how far it gets us and we might have to apply for a small loan towards the end.
so far we've spent about 50k. we are starting the roof in next week or so and coming in under 10k labour and materials. garage roof is finished and paid for. shop around for roofers. we had quotes from 3k all way up to 15k..labour only! windows ranging from 20k-35k but we have alot of windows and 2 4m sliders - which we great in theory but v.expensive!!
house is storey and half 2500sq ft

should probably add my father is a builder and he is managing this for us using direct labour. we are paying in cash as much as we can also so makes it a little bit cheaper too