Building where to start

katiek102010

Currently renting.

Husband insists on building a house.

I want to buy as to be honest I don't think we can afford to build and my sanity won't cope with renting for duration.

I don't even know where to start with looking into it to get him to see that's it's not affordable for us.

Any ideas or advice please

Wildsurfer

katiek102010 wrote: »

Currently renting.

Husband insists on building a house.

I want to buy as to be honest I don't think we can afford to build and my sanity won't cope with renting for duration.

I don't even know where to start with looking into it to get him to see that's it's not affordable for us.

Any ideas or advice please

Why is his preference to build? Is it the idea of the project or having a house of his own design? Have ye a site in mind or a free site to build on?

Yikesoc

katiek102010 wrote: »

Currently renting.

Husband insists on building a house.

I want to buy as to be honest I don't think we can afford to build and my sanity won't cope with renting for duration.

I don't even know where to start with looking into it to get him to see that's it's not affordable for us.

Any ideas or advice please

Start with the foundations and build upwards from there.

katiek102010

Wildsurfer wrote: »

Why is his preference to build? Is it the idea of the project or having a house of his own design? Have ye a site in mind or a free site to build on?

He has a site in mind but he's very pig headed and he wants things his way,

He also wants something that costs twice what is affordable. We have also been out bid a few times recently so stuck in renting trap. Even the houses we have bid on, in his mind needed x, y and z doing

mike_2009

Ballpark start here:
Doesn't include site cost or development contributions, services connections etc as you would have for a new home but it's a starting point.
You could sketch up plans yourselves and then go to a quantity surveyor who will cost it based on current trade/materials prices. Then add all the extras required to build - professional services, land, items mentioned above etc to get a rough budget. That's a realistic starting point.
The next big hurdle is planning permission, not a given and you've not even broken ground yet! You can put down a deposit on a site subject to planning so you're not caught out if it falls through.
The other route is renovation - get an old / derelict home and make one room habitable and work your way through the rest but there is risk of some critical faults being found driving up cost and it won't be cosy for a long time!
The other life factors are kids and when do you want to be mortgage free? Start looking at area of the country you could afford to move to and buy but be mortgage free in X years if you can reskill / do remote work to find that affordable lifestyle. Buy plenty of land and build on / extend later / split the site but have a pre planning meeting as local rules still applies and you don't want your hopes dashed immediately.
Anyway, just some thoughts, hope you get out of the rent trap soon. That or quit, buy & convert a van and tour the world?!!

katiek102010

mike_2009 wrote: »

Ballpark start here:
Doesn't include site cost or development contributions, services connections etc as you would have for a new home but it's a starting point.
You could sketch up plans yourselves and then go to a quantity surveyor who will cost it based on current trade/materials prices. Then add all the extras required to build - professional services, land, items mentioned above etc to get a rough budget. That's a realistic starting point.
The next big hurdle is planning permission, not a given and you've not even broken ground yet! You can put down a deposit on a site subject to planning so you're not caught out if it falls through.
The other route is renovation - get an old / derelict home and make one room habitable and work your way through the rest but there is risk of some critical faults being found driving up cost and it won't be cosy for a long time!
The other life factors are kids and when do you want to be mortgage free? Start looking at area of the country you could afford to move to and buy but be mortgage free in X years if you can reskill / do remote work to find that affordable lifestyle. Buy plenty of land and build on / extend later / split the site but have a pre planning meeting as local rules still applies and you don't want your hopes dashed immediately.
Anyway, just some thoughts, hope you get out of the rent trap soon. That or quit, buy & convert a van and tour the world?!!

Thank you for the calculator but unfortunately I don't know what any of it means.

Would it be best to get him and me into an architect or someone who would be able to tell us

mike_2009

I think you should talk to an Architect then, yes....the ideal home show usually has a few but with Covid is unlikely to run next year.

listermint

I think he should start with the basics.

I.e does he even have a chance of building. He might have a site in mind but with things like local needs planning will never be granted.

No use going to architects if you cant build in the first place.