Order of things

shnethb

We have received planning permission for a self build 2400SF house in east Galway. Both of us have just changed jobs for the better recently so we are going to wait another 6 months before seeking a mortgage (we think we will be ok) spend the next few months trying to increase our savings.

In the meantime we want to start putting things together, quotes etc

We are completely new to all of this and I would be grateful if someone can give me an idea of the order of things.........what we should be doing before we go to the bank? Who should we go to cost up the plans etc..

Gumbo

shnethb wrote: »

We have received planning permission for a self build 2400SF house in east Galway. Both of us have just changed jobs for the better recently so we are going to wait another 6 months before seeking a mortgage (we think we will be ok) spend the next few months trying to increase our savings.

In the meantime we want to start putting things together, quotes etc

We are completely new to all of this and I would be grateful if someone can give me an idea of the order of things.........what we should be doing before we go to the bank? Who should we go to cost up the plans etc..

Convert planning drawings into construction drawings (engineer/architect/surveyor)
Work out prelim Part L compliance so BER/Energy Consultant.
QS to price maybe.

Sausage dog

Check out what the bank will need for mortgage application. Ensure credit rating is ok. If you've just changed jobs be aware some banks may not want to give a mortgage if still in probationary period etc. A visit to a mortgage broker may clarify some of these points. After that I'd try to narrow down some decisions you'll have to make once the build commences. Take the time now to research window companies, roof finish options, sanitary ware, kitchen styles, doors etc. If you have the time now use it to do a lot of donkey work, as when you start the build you'll want to be on site & a lot of decisions need to be made in a short space of time. Collect pictures of what little details you like now eg. a book shelf/storage idea, as once the build begins you can forget the little things you wanted as you're caught up in the bigger picture. Good luck.

mike_2009

Hi,

My suggestions:

Understand the budget in more detail (Quantity Surveyor as already suggested). As your self build mortgage will be arrears based ensure you work out a monthly / weekly budget plan to keep the builder happy and factor in deposits for windows etc which need to be paid weeks in advance and the full amount on delivery etc. Any big ticket items, planning contributions, project management, building control certs, ESB, Water/Sewage etc and when they are likely to need to be paid in the timeline. Getting stage payments out of a bank can be stressful & time consuming....

Go through the mortgage application checklist the bank provides, any possible issues?

Who will create the tender package for the builder or have you a builder selected already? What are you going to get the builder to do and what do you want to do yourselves? What materials will you provide vs the builder (kitchen, bathroom fittings etc). What standard of finished as you expecting? Once this is all called out in the tender you should get a more accurate quotation.

Get a list of recommended builders and meet them at a site they are building to get a feel for their approach to projects, do they keep the site clean, quality of their work, the tradespeople they work with etc. This relationship is going to be one of the most important elements of the build to get right and make it a success......

Best of luck!