Constructing your own home is an exciting project, Concept can ensure you have the right mortgage funding in place. Get Pre-approved.
Funding your self build project can prove to be a tough task.
At Concept we work on your behalf to secure the funds for your dream project and take the stress away from you so you can concentrate on getting on with the job of building your dream home.
We work with clients and Lenders who specialise in self build mortgages from all over the UK and our aim is to make the process easy and straight forward. Call us today to discuss your self build mortgage.
1 Purchase of Land/Property.
2 Preliminary Costs & Foundations & Structural overhaul.
3 Wall Plate Level
Timberframe Kit Erected
Wind & Watertight
4 Plastering & Services
5 First Fix.
6 Second Fix to Completion
What you will need for your deposit:
Land 20% | Build Costs 20% | Contingency & fees 10% of Build Costs.
Lenders will work on affordability and if self employed the lenders will need to see at least 2 years accounts and prefer 3 years accounts. If employed the lenders will need to know the borrower has been employed for at least 6 months but most prefer 1 year.
Budgeting is vital when putting a self build project in place because house building costs can escalate, so it is crucial you have a sound plan.
We do everything we can to protect your data. However, the internet is not a secure medium and we cannot guarantee the security of your data.
I joined CFS Wills in 2020 after looking for a career change in which I could make a difference. Working with Paul again was a big factor with us initially working together over 30 years ago at Barclays Bank. We always stayed friends, and when the opportunity came to join CFS Wills I jumped at the chance. Having spent over 25 years in the motor trade and running car dealerships for over 10 years, I needed to do something different that would utilise many of the Skills and experiences I have developed over the years dealing with both private individuals and businesses. I wanted a career change that would not only be rewarding for me but be able to make a difference to peoples lives. Helping people put their affairs in order by simply completing a Will or Lasting Powers of attorney is for many quite cathartic. For most people, their Will is not very high on their wish list, yet everyone knows they should have one. For many, when they finally arrange their Will, you can see the relief in their faces.
Personally, I am married with two grown up children, but am now the proud owner of a dog (Springer-poo called Albi) for the first time in 30 years. To say he has taken over the house would be an understatement with almost everything revolving around him. We now all enjoy long walks and holidays near the beach for the dog. If Albi is happy, so are we!
Qualifications
ACIB- Associate of the Chartered institute of Bankers
MSWW- Member of the Society of Will writers
