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Advice on a new build (direct labour) over 5 yrs?

  • 09-08-2017 9:26am
    #1
    irishguy19772
    Registered Users, Registered Users 2 Posts: 422 ✭✭


    hey,

    was planning to build a 2000sq ft dormer bungalow over about 4 or 5 years. We plan to move in once we get a shell of a house up and then finish it over time. We are trying to avoid getting a mortgage, or perhaps just getting a credit union loan to get some of the initial expenses out of the way.
    We are building it in the middle of our agricultural land and will hopefully try and get a mobile home installed. I figure once I have the sewage system set up, then the council will be more encouraged to give planning for a mobile home on site. I am afraid of not telling them and getting sporadic visits by the council if I opt out of the BCMS, then being made remove the mobile.

    Just wondering has anyone any experience of building this way without a mortgage and doing it over a long period of time?

    I am planning to opt out of the BCMS, get it done by direct labour and get regular site visits by an engineer to make sure work is up to scratch.

    we built our family home in around 2005, before this council development fee of 5000 and the bcms paperwork fees and signed off checks, so I am not sure what surprise will be next.

    My main concern is to get a heat recovery ventilation system and have the house as passive as possible.
    Have been advised against geothermal heating and installing a small wind turbine, so will most likely just try and get as many solar panels as needed.

    any advice from anyway who tried anything similar would be great. Completely inexperienced with all this, so forgive my ignorance.


Comments

  • #2
    tedimc
    Registered Users, Registered Users 2 Posts: 623 ✭✭✭tedimc


    Who advised against Geo-thermal and why - apart from up-front cost? Heat recovery won't heat your house, it will only save you losing as much heat as you might through other means of ventilation.

    Just be careful about sinking your own money into it first and then looking for a loan/mortgage. You could struggle to get finances if the bank/CU can't see any savings.


  • #3
    The_Bullman
    Registered Users, Registered Users 2 Posts: 1,997 ✭✭✭The_Bullman


    imo if you have to get a credit union loan for initial expenses then you'll not be able to do it because initial expenses are low compared to the rest of the build.

    Building a house will cost at least 150k so unless you've a high enough income to build as you go then it won't work.

    As for living in the house when it's a shell. By the time you get to that point you'll be as well off finishing before moving in.


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