Tag: self build

The best UK podcasts to inspire your self-build project

Dreaming of a self-build and looking for some inspirational ideas? With a wealth of information available, podcasts provide an easily digestible way to consume numerous different topics.

Described by some as more interesting to listen to than music, engaging with audio content leaves the listener free to multi-task.

What are the best self-build podcasts?

Dreaming of a self-build and looking for some inspirational ideas? We’ve got some of the best UK podcasts to inspire you. With a wealth of information available, self-build podcasts provide an easily digestible way to consume numerous different topics.

Described by some as more interesting to listen to than music, engaging with audio content leaves the listener free to multi-task.

Less of a time commitment

Podcasts can look like less of a time commitment than a large book or lengthy video too. Over seven million people in the UK have discovered the joy of podcasts, with thousands to listen to, available through smartphone apps such as Spotify, iTunes and Google Play or through web browsers like Chrome or Microsoft Edge.

Multi-tasking while you listen

Whether you are walking the dog, off for a run, doing the dishes or simply relaxing and want to listen to something new, there’s a bewildering array of content to choose from. Topics you might be interested in include self-building, construction and interior design.

If you have checked out our earlier articles on the best books and  TV programmes for self-builders already, you may be looking for a different way to consume useful information.  Here are our recommendations for self-builders or anyone looking to renovate their home. Click on the links to find out more about these self-build podcasts.

Build Your House Yourself University

This popular blog simplifies the whole process of design and build, whether you are undertaking the whole project yourself or taking on a contractor. Describing itself as ‘demystifying home building and construction’, it also includes advice on interior design, from large concepts to neat design details such as smart lighting solutions.

Homebuilding

Homebuilding magazine’s podcast focuses on issues that confront homebuilders and renovators, from keeping on the right side of eco regulations, to suggested ways to find the perfect builder for your project.

The Fine Homebuilding Podcast

Another popular magazine podcast, this time from Fine Homebuilding, is all about preserving craftsmanship and explaining how to master design and building challenges.

Home Building Hero

Home Building Hero discusses the latest new home designs, styles, industry trends, how to’s and tips for building a fabulous new home. If you listen to this, you can ‘Become the hero in your new home’ too. From 10 essential rules for furniture placement to the best way to design your own gym at home or the most desirable bathroom, this might turn out to be essential listening.

House Planning Help Podcast

These self-build podcasts asks industry experts and self-builders to share their valuable knowledge and expertise on everything from style and sustainability to location, community and landscaping. It includes some information about eco design too.

Decorating Tips and Tricks

With 422 episodes to choose from, from special guests to furniture arranging tips, according to the podcast description, this has ‘seriously great decorators having some serious fun’.

The Great Indoors podcast is a celebration of ‘all things interiors’ and everything you need to know about making your house a home. The team promises to provide a guide on trends and topics from the home front, from chalk paint techniques to embracing minimalism.

Inspiration and ideas from podcasts for self-build

While self-build podcasts can be a great source of inspiration and ideas, remember that planning regulations, costs and local conditions are subject to change at any time. Always check the latest advice and guidance with professionals before making any decisions. Download our free self-build guides to help with every stage of your project.

Planning a self-build?

Whether you are in the first stages of looking for land or you have already secured planning permission and know exactly what you want to build, we would love to work with you. Contact us to find out more.

Self-Build Timeline

Many people dream of building their own home for years. Once you decide to make that dream a reality, how long does it take to self-build a house from start to finish?

Part 3 of The Self-Build Guide

Many people dream of building their own home for years. Once you decide to make that dream a reality, it’s time to set a self-build timeline so you understand how long does it take to self-build a house from start to finish.

The timescale of the whole project varies hugely, partly depending on how much of the project you are managing yourself or whether you have decided to go with a turnkey self-build package provider.

Depending on a number of variables, the actual construction can be completed in five to eight months. However, people are often surprised to learn that just as much time, if not more, is likely to be spent on the preliminary stages of securing land, finance, planning and setting up your team.

Finding a plot that is perfect for your project can take anywhere from a few weeks to many months . Likewise, arranging finance can be done very quickly but could potentially take up to six months, especially if you are applying for a self-build mortgage.

How long does design and planning take?

Design can take just a few weeks but if you want a particularly complex design it could take several months. This is where, if clients are working to a tight timescale, choosing one of our signature designs can save a lot of time.

Once you have secured the land and arranged the finance, the planning phase is undoubtedly one of the areas which can take much longer than you expect. Getting the details of the application right in the first place is the best way to cut down on time. Depending on the complexity of your project, usually you find out if your application has been approved after eight weeks.

What is post-planning?

This is where your design is turned into full working construction drawings required for building regulations approval. You also need to satisfy and discharge any conditions with your planning application. You may need to consult with specialists with regard to drainage, foundation, structural or any other particular design criteria requirements. Remember, you may need to get permits from the local council for access, tree removal or ecological surveys. These things can be done at the pre-planning stage but always check first.

What is the construction schedule?

Once you have assembled a team of professionals to work on your self-build, one of the first action points is to draw up a schedule so you know the anticipated construction timescales for your project.

With every self-build we undertake, we have a project update meeting every month with the client to discuss what needs to happen over the next four weeks so everyone involved understands the scale and length of each stage and important decisions can be made.

What can cause delay to a self-build?

  • Weather – The most common cause of delay in a project is bad weather – torrential rain or severe frost can add weeks on to the construction period.
  • Changes to the original design can also add a substantial number of weeks to the project as it may require going back to the planning department or seeking further specialist advice. We always advise clients to make sure they are fully committed to their design as changing design midway through costs a lot of time and money.
  • Surveys – always seek advice before starting a self-build journey with regard to surveys as many of the ecological ones for Birds, Bats, Badgers, Great Crested Newts etc have seasons to complete the surveys. If your site needs one of these surveys and you miss the seasonal window, you have to wait until the window re-opens which could be another year.
  • Labour – we all know the standard cliché builder joke about not turning up on site. Any labour delays have a knock- on effect with future trades and your programme, not to mention the added stress. Make sure you either have a company which has excellent ties and is responsible for managing trades or you must keep in contact with them on a regular basis leading up to every stage.

Remember it’s so important to do thorough due diligence on any labour requirements, as an incorrect job could mean long delays, unsatisfactory quality and future headaches.

  • Materials – don’t take for granted that the local builders yard will have the materials you need. At CB Homes everything is ordered and held to order before day 1 to ensure that it is not only available at any given time but is also available at the right price and quality.
  • Paperwork – several stages will need signing off by the buildings inspector before work can continue, or if you are doing it via lenders, valuations and survey will need to be completed. Also appropriate licences will need to be required before certain jobs so make sure you are up to speed on these too.
  • Bringing services to the site or applying for wayleaves through private land can also cause unforeseen delay. While you can manage for a time without gas and electricity on-site, a water supply is essential from the start.

Every project is slightly different, with varying challenges according to the size, style and location of the build. The following typical timetable outlines what might be reasonable to expect from a traditional brick and block build, 4-bed family home, bearing in mind that any of the stages might take a bit more or less time than anticipated.

1st Month

Clearing the site, site set-up (welfare, H&S) excavating foundations, foundation laying and floor slab

2nd and 3rd Month

Superstructure, first floor, roof structure and coverings

4th Month

Making your self-build weathertight – windows and external paint work, low level roofs, doors, scaffolding down.

Start of first fix items – electrics, plumbing and heating, joinery. The electrical and plumbing runs and insulation are installed, along with power points for home entertainment, smart systems and alarms. All the internal walls, including stud walls, are put in place.

5th Month

Plastering and second fix. All the electrics are connected up. This includes all the sockets and heating systems, whether underfloor or radiators. All sanitaryware is fitted and plumbed in.

6th Month

Final fixtures and finishing – flooring, whether it is wood floors or ceramic tiles, is put down. All the joinery, such as final touches to the staircase, is completed and the kitchen and sanitaryware installed.

External works – the driveway and any patios can be completed and any lawned area can be turfed.

Mitigating delays to your self-build

We offer a complete fixed fee turnkey self-build service, suitable for a range of budgets. From completing planning applications and pre-start documentation, right through to after sales service and snagging, we can manage the whole process for you. 

We find our forty years of experience extremely useful when it comes to looking at ways of re-jigging the construction schedule in order to mitigate delays and keep the project moving forwards. Our list of trusted suppliers is also invaluable when it comes to sourcing materials, minimising hold ups and ensuring timely delivery.

Get in touch with us to talk about your self-build project, with no obligation.

The best books to inspire your self-build project

A self-build project is never undertaken lightly and many people spend years planning their dream home before turning it into a reality.

A large number of our customers would probably say that the dreaming and planning was half the fun of the project, long before the hard work started!

So many books, so little time?

A self-build project is never undertaken lightly and many people spend years planning their dream home before turning it into a reality. A large number of our customers would probably say that the dreaming and planning was half the fun of the project, long before the hard work started!

In an earlier blog, we talked about the best TV programmes to help inspire you as you embark on your self-build adventure. For many of us, leafing through a book is another great way to find new ideas, pick up some top tips and conjure up a vision of what your perfect self-build might look like. Here are just a few of our favourite homebuilding reads.

Grand Designs by Kevin McCloud

The TV programme is always top of our TV list and this book is fabulous too. Architecture and design guru Kevin McCloud shares his views that ‘houses too can be architecture’ through three sections of Thinking, Dreaming and Doing, based around three locations – Urban, Suburban and Rural. Some of the most memorable houses from the TV series are featured, and there really is something to suit everyone’s taste, no matter the scope and scale of the project.

Housebuilder’s Bible by Mark Brinkley

Described as ‘the go-to title’ for the UK’s army of self-builders and renovators, this book has sold over 175,000 copies, making it the best-selling guidebook in this area. Author Mark Brinkley worked as a builder and developer, and the book is based around his experiences and observations. He carried out an eco-renovation on his first house, and went on to build his own home so he really has ‘walked the walk’. 

Self build and Renovation for Dummies by Nicholas Walliman

The author is a professional architect and lecturer in building construction. He built his own home and has since worked on numerous self-build and renovation projects. As the title implies, this book is very readable, using easy to understand English and assumes only a basic level of knowledge.

Building Your Own Home by David Snell

This ‘fully illustrated bible’ is full of interesting information, from buying a plot to choosing a design. There are some fascinating case studies too, detailing challenges faced by self-builders.

Contemporary Homes 3: Inspirational Individually Designed Homes

If you are looking for a beautiful book to admire and dip into when you have a few moments, look no further than this beautiful book from Homebuilding and Renovating Magazine. It showcases 39 individually designed homes. It’s not just for admiring though, it’s also a practical guide, detailing how the houses were conceived and built.

100 Of The World’s Best Houses by Catherine Slessor

Exactly as the title describes, some of the houses created by some of the greatest architects in the world are featured in this book. Whether you dream of an urban villa, a country retreat or a stunning beach house, you will find plenty to inspire you here.

The Iconic House by Dominic Bradbury and Richard Powers

Featuring more than 100 of the most influential houses built around the world since 1900, this fantastic book shows an appreciation of utilising local materials and building traditions and the importance of understanding clients’ needs.

Architects’ Houses by Michael Webb

If you’re interested in in what inspires architects and the constraints they face, then this is the book for you. Thirty of the world’s most talented architects talk about the houses they designed for themselves over the past decade in Architects’ Houses.

While books are a great source of inspiration and ideas, remember that planning regulations, costs and local conditions are subject to change at any time. Always check the latest advice and guidance with professionals before making any decisions. Talk to our self-build experts to find out more.

The Self-Build Guide Next Steps: 2. Assembling your self-build team

Once you have chosen and secured a plot of land for your self-build project, the next steps are to look at how you will go about designing and constructing your new home.

Once you have chosen and secured a plot of land for your self-build project, the next steps are to look at how you will go about designing and constructing your new home.

With a financial pathway secured, you’ll need to look at bringing together a team of house builders and professionals to work on your project.

Points to bear in mind

It is important to find the right construction partner to carry out your project. It’s equally important to identify a designer who will reflect your vision and ambition. You may have first-hand experience of the industry yourself – you may be a builder or architect, for example – but in the majority of cases, clients undertaking self-build projects need to seek expert advice and guidance when they come to assemble a dream team for their project.

Broadly speaking, there are three ways to approach a self-build project. They all have advantages and disadvantages so you need to choose the one that best suits your needs

1. A turnkey Self-Build solution

Many companies, such as CB Homes, can provide an all-in-one bespoke turnkey self-build service, which means they will oversee a project from design to completion.

What are the advantages of a turnkey self-build solution?

  • The initial Design Consultation should include a free, no-obligation design meeting so you can design your self-build from initial concept with the design team – or you may be able to select one of the company’s own signature designs
  • You can get involved as little or as much as you want to
  • You can tailor the project design to your exact requirements to match everything, from lifestyle to budget
  • You can personalise building plans, which are prepared with a fixed fee quote meaning that what you are quoted is what it will cost
  • You don’t have to pay any money up front. The first payment only becomes due when the foundations are completed – and you can really begin to see what your home will look like
  • The self-build company takes full responsibility for the project, including all insurances and health and safety,  meaning less risk for you
  • There will be a project manager provided as part of the service, who will oversee the whole venture for you and be your single point of contact
  • Your project manager will liaise between you and other members of the project team, such as the architect and site manager. This simplifies the process and any inquiries and discussions can take place on a personalised basis
  • All planning permissions will be obtained on your behalf and your application will be managed for you through to decision
  • Experienced industry professionals can ensure a streamlined application process and should have a longstanding reputation and strong relationships with Local Authorities and planners.

2. Select your own architect and builder

There are advantages to choosing a company that provides a complete package, but there are other options available too. You can assemble your own team by selecting an architect who comes up with a design and then choosing a builder who will quote for delivering it. The builder may have a team of bricklayers and other technicians, such as electricians and heating engineers, or may subcontract these roles.

Advantages to selecting your own architect and builder

  • You may want to choose your own architect if you have one in particular in mind or you have your heart set on a very specific or unusual type of build
  • An architect will make many suggestions and collaborate on the design of the property and incorporate features that you want to include
  • Some architects may be willing to project manage the build themselves and provide warranties
  • If you are employing your own designer and architect, they can take care of any planning submissions required.

Don’t forget…

  • it is quite often the case that many would-be self-builders find that their architect’s plans turn out to be very expensive once they are priced up for building and some compromise on the design may be necessary to bring it back within budget
  • It is important to know who has overall responsibility for the build so in the event of something going wrong, does this rest with the architect or builder as you could be caught in a dilemma of each party blaming the other
  • If you choose this option you need to be confident that your builder really understands the architect’s drawings, so look for past projects, testimonials and reviews
  • if you get several quotes from different builders, make sure they are all quoting for the same specification, so all the quotes are genuinely ‘like for like’.

3. Client as project manager

If you are extremely organised and are prepared to do a lot of research, you may decide to project manage your self-build yourself.

If you are project manager, remember…..

  • It is a very time-consuming process so you need to be prepared for a huge commitment, alongside any pre-existing work or family commitments you may have.
  • Although being your own project manager can be very personally rewarding, remember it’s a huge jump to go from designing a house to actually going on site.
  • Once you have found an architect, a structural engineer and a builder, as project manager you will then be responsible for sorting out pre-start documentation, regulations and warranties. The ‘paperwork and politics’ of dealing with public bodies, local councils and utilities need a massive amount of time and patience.
  • You might think that managing your own build will be the cheapest option. In reality, it may turn out to be more expensive and it is certainly very likely to take longer.
  • You can be taken by surprise by issues such as delivery timescales for materials for example, which can be up to several months, depending on market demand.
  • Lack of familiarity with efficient ways to complete the pre-start documentation and the planning permission process can also lead to quite lengthy delays, considerably increasing the length and subsequent expense of the project.

Trust, reliability and synergy

Whichever of these three routes you decide to go down, when it comes to assembling your team, in addition to professional expertise, it’s also important to bear in mind qualities such as trust and reliability too.

You should research your potential project partners online, by taking a look at their websites. If their website is doing its job, you’ll be able to find accreditations, awards, testimonials and case studies demonstrating a company’s successes, and also that it has the relevant protections and warranties. Being assured that everyone involved in your project shares your passion and enthusiasm is also an essential aspect. 

Assessing all the different aspects of these prospective collaborators will help to inform your decision and find the perfect synergy to realise your dream project.

Grander Designs: How to get inspiration for your self-build

If you’ve dreamed for years of building your own house, now would be a great time to do some research and start putting some ideas together for what you would like your dream home to look like.

Luckily, we are spoilt for choice when it comes to finding sources of inspiration for building our own homes.

If you’ve dreamed for years of building your own house, now would be a great time to do some research and start putting some ideas together for what you would like your dream home to look like.

Do you want to find a plot of land and build from scratch or does renovating a derelict property appeal to you more?

Do you like minimalist, sleek interiors or are you a pushover for shabby chic? Are environmental considerations top of your wishlist or is making an architectural statement more important to you?

Luckily, we are spoilt for choice when it comes to finding sources of inspiration for building our own homes. From the moment Grand Designs arrived on our screens over 20 years ago, TV production companies realised that viewers have a huge appetite for programmes that capture the highs and lows of building projects. There’s an incredible number available to watch. Even if the scope of many of them is not necessarily a practical choice for most of us, there’s no doubt that watching a few of these programmes can really help spark ideas and get the creative juices flowing.

Here are a few of our favourites:

  • Grand Designs, currently available on Netflix and Channel 4 is still going strong. The most memorable builds are not necessarily the largest or most ambitious. They do show how important it is for any self-builder to focus on creating a home, rather than just building a house. The projects are all enthralling, ranging from converting a shipping container to an extraordinary underground home with a retractable roof. The planning application for that one took over two years to secure!
  • Building Dream Houses, a popular BBC series, follows architects who are leading the way in groundbreaking design and working hard to keep their clients happy. Some clips are available here.
  • For escapism at its best, it’s hard to beat Escape to the Chateau on Channel 4, which follows the adventures of Dick Strawbridge and his wife Angel who renovated a 45 bedroom dilapidated 19th century French chateau, set in acres of neglected land and turned it into a spectacular events venue. Clearly beyond most of our budgets, not to mention ambitions, it’s worth a look to see just what can be achieved with the right craftspeople and how something that starts out as a ruin, can be turned into something beautiful. All set against a backdrop of sun-drenched French countryside.
  • At the other end of the scale, The House that 100k built has some great, sometimes wacky, ideas for stretching a small budget, including recycling aeroplane parts! Some clips are still available here on BBC iPlayer.
  • Dreamers and technical geeks alike will enjoy Your Home Made Perfect, which harnesses the power of virtual reality to show homeowners how their dream home could look, thanks to computer wizardry, before building it in reality. You can catch it here on BBC iPlayer.
  • If you want to make your imagination really take flight, why not take a look at The World’s Most Extraordinary Homes? Available here on Netflix, every episode features four incredible homes all round the world. The architect and owner are interviewed, which provides unique insight into the design process, in some of the most beautiful locations imaginable.

    Don’t forget, if you want to explore the possibilities of self-building, we would be happy to discuss a potential project with you. Whether you are in the first stages of looking for land or you have already secured planning permission and know exactly what you want to build, we would love to work with you. Contact us to find out more.

Financing a self-build

If you are considering a self-build project, there are a number of ways you could finance it.

A self-build mortgage enables you to build your ideal home without needing 100% of the capital yourself up front.

If you are considering a self-build project, there are a number of ways you could finance it.

How to finance a self-build

These include:

  • Cash
  • Raising funds by selling your existing home
  • Remortgaging your existing home
  • A custom build mortgage
  • Bridge finance (if you are selling a property which holds enough equity)
  • A self-build mortgage

What’s the difference between a standard mortgage and a self-build mortgage?

A self-build mortgage enables you to build your ideal home without needing 100% of the capital yourself up front. Rates of interest on a self-build mortgage are typically higher. This is due to the higher risk associated with building a home from scratch and arrangement fees vary from lender to lender. Some lenders consider mortgages for self-builds to cover land purchases (with planning permission), buying a property to renovate as well as barn conversions.

The biggest difference between a self-build mortgage and a standard mortgage is that funds are given to you at stages of the build, rather than a single lump sum. This reduces the lender’s risk and ensures that you don’t run out of funds when you are only half-way through the project.

Stages range from initial digging of the foundations to the final fix. At each stage the value of the build increases. The right funds need to be available at every stage to pay for materials, tradespeople and specialist services.

The amount released at each stage is subject to the lender receiving a satisfactory valuation. The amount you receive may be less than what is detailed in the cashflow forecast. The lender needs to see stage certificates or a letter from a suitably qualified architect or structural engineer or from the structural warranty provider confirming the stage has been completed to a satisfactory level. A lender re-inspection will be required at each stage.

A lender will normally allow you to repay the stage payments on an interest only basis during the build process and then convert to repayment once the build is complete and final funds released.

Two types of ‘stage payment’ self-build mortgage

There are two types of stage payment mortgage – in arrears, which is offered by the majority of self-build lenders. This is where you receive each stage payment after the stage has been completed. The other is in advance, where you receive each payment before the stage is commenced. This is riskier for the lender so is usually more expensive.

What do I need to do before applying for a self-build mortgage?

  • Arrange for a mortgage in principle
  • Find potential plots
  • Assess development potential
  • Arrange a valuation of the plot
  • Arrange a site survey
  • Purchase site
  • Arrange site insurance – specialist self-build, renovation or extension insurance.

Are self-build mortgages really hard to get?

According to Chris Miller, Financial Adviser at CRS Consultants, “self-build mortgages are not hard to get, so long as you carefully prepare all your supporting documentation to assist your adviser and lender, this will also save time with the case processing.”

What criteria are self-build mortgage lenders looking for?

  • Minimum age 18 and maximum age 80 at the end of the loan
  • If you are going to be over 70 at the end of the term, evidence of pension income is required so the underwriter can take into account the likely impact of retirement on affordability
  • You have to sign a declaration stating what age you intend to retire
  • Your nationality and residency history will be noted
  • You must have a minimum of three years residency in the UK and permanent rights to live and work here
  • Evidence of the land (such as brochure, architects drawings, planning development etc)
  • Usually standard construction materials (non-standard can be considered if it’s BOPAS accredited)
  • Your self-build must have a suitable warranty or be architect or professional consultant supervised, for example by:

N.B:  The above member/s can be fellow or membership of these institutions.

Guarantee schemes which are acceptable with most self-build lenders:-

  • Building Life Plan
  • Build-Zone
  • LABC
  • NHBC
  • Premier Guarantee
  • FMB’s “Build Assure”
  • ICW

What documentation do I need to supply to support a self-build mortgage application?

  • Confirmation that you are paid in sterling (GBP) and hold a UK bank account
  • You must have been continually employed for at least 12 months on a permanent contract. Applicant/s who are in a probationary period are acceptable subject to 12 months continuous employment and remaining in a similar role
  • If you have a pay rise pending,  this may be acceptable, subject to written confirmation from your employer that this has taken place prior to the mortgage completion
  • Income from a second job may be considered
  • Fixed Term Contract – Current contract for a minimum of 12 months may be considered
  • Self-employed (you must have been self-employed for a minimum of 1-2 years (depending on individual lenders’ criteria)
  • Your verification name, address, etc (Passport, Driving Licence, Utility Bill)
  • Self-employed – latest two years Audited / Certified Accounts or Accountants reference or latest two years tax calculations and two years tax overviews
  • Directors – where you have a shareholding of 25% or more, the criteria for Self-Employed will apply
  • Maintenance Payments – A maximum of 25% in respect of payments made to the applicant under a Court Order
  • Retirement Income – proof of state and private pensions (statements, P60 and any other evidence to support pension income)
  • Six months bank statements
  • Experian credit report.

What information do I need to supply about the self-build project?

  • A full size copy of plans – floor plans and elevations
  • Full details and evidence of funds you are contributing to the project costs
  • Full name, address, qualifications and a copy of your Architects PI cover; or details of your Structural Warranty Provider
  • If you are renovating a listed building, evidence that the builder or contractor has experience in listed renovations
  • Copy of your planning permission
  • Project Costings (including name, contact details of person completing and date)
  • Your Asset & Liabilities
  • Copy of site insurance
  • Copy of your outline planning permission
  • Architect’s professional indemnity cover (if required).

Do I need to have lots of money put aside for a contingency fund for my self-build?

According to Geraldine Hardman, Director, My Mortgage Brokers, you should always factor in a contingency fund. Around 10% is generally recommended for a flat site, where the ground conditions are known and 20% for a sloping plot or one where you are not sure what may lie beneath the surface.

Geraldine also says, “Building a home is often cheaper than buying a house but unexpected costs can arise. It is important with a self-build that you have a cashflow spreadsheet covering everything to build your home.”

She continues, “Consider Insolvency Protection, which is designed to provide assurance and cover against the possibility of the developer/builder going out of business midway through the build. The cost of work to either complete or get the property to a satisfactory standard whichever is less. Note that in all cases cover is subject to approval.”

How does insurance work for my self-build?

During the build you will need to take out a Site Policy which covers public liability. If you are doing the self-build work yourself you will need to arrange a Contract Works Insurance Policy which covers the build from the first brick to completion. Following completion and sign off by a competent consultant you will be able to arrange a normal buildings and contents insurance policy for yourself if you are going to be the occupant or a property owner’s insurance policy if you let the property out.

If a contractor is doing the work you will need to ensure that they have full contract works for either a one off contract or annual cover with a sum insured adequate for your works and covering the length of time that the works will realistically take to be completed.  Following handover, again you will be able to arrange a normal buildings and contents insurance policy for yourself if you are going to be the occupant or a property owner’s insurance policy if you let the property out.

Chris Miller, CRS Consultants, advises you should speak to your lenders first to ensure that they do not have any demands on the insurance cover that is being placed for the works as they may want their interest noted on the policy or yours as Mortgagees.

Our thanks to Chris Miller from CRS Consultants, and Geraldine Hardman from My Mortgage Brokers, for supplying advice on self-build mortgages for this blog.

N.B. Please note your home may be repossessed if you do not keep up repayments on your mortgage.

DISCLAIMER: this Guide does not constitute financial advice. For any financial advice please contact an approved FCA self-build mortgage lender.

Planning your home, from home

You can go on planning your self-build, even in isolation. In these extraordinary times, with many of us having to practise ‘physical distancing’ at home, it is good to know that many of our professional and social activities can still continue, albeit in a different way.

You can go on planning your self-build, even in isolation. In these extraordinary times, with many of us having to practise ‘physical distancing’ at home, it is good to know that many of our professional and social activities can still continue, albeit in a different way.

We may not be able to go out, but luckily, thanks to the World Wide Web, we can still access much of what we need to continue to plan for our personal dreams. For a growing number of people, those dreams include building our very own home one day.

Business as usual, as far as possible

Here at CB Homes, where we specialise in self-building projects, it is pretty much business as usual, in these very unusual days. On the self-build front, our architects are continuing their work, whether it’s creating a client’s own design or developing one of our own signature designs, fitted to specific requirements and budgets. Our planning team is pushing ahead with applications, working with Local Authorities’ planning departments. Luckily, the whole planning application process, from start to finish, can be completed online. Similarly, we are still working through tender processes and providing clients with advice on potential land purchases and house design, thanks to the power of virtual communications.

Fixed price quotations, whatever your budget

Today, as ever, we are continuing to work with a wide range of self-build budgets. Regardless of the size of home, we provide a fixed price quotation on each custom house build. We also structure each project with stage payments. This means that the first payment only becomes due when the foundations are complete – and the project is really beginning to look like a house. As part of our turnkey service, we deal with all the pre-start documentation that has to be completed too. That means there’s no need for anyone to feel intimidated at the thought of lots of complicated paperwork as we can take care of all that for you.

Get in touch with us today to find out how we can help you start to progress your self-building dream or just if you fancy a chat in these unusual days.

Keep safe.

Our favourite quirky things to see and do in Cheshire

We may be biased, but Cheshire is one of the finest places to live and visit, and not just for the quaint pubs, fine foods and stunning countryside.

Once life gets back to normal, we’re looking forward to exploring even more of our fabulous county. In the meantime, here’s our roundup of our six favourite quirky things to see and do around Cheshire.

Anderton Boat Lift

The Anderton Boat Lift, known as the Cathedral of the Canals, is an extraordinary feat of engineering. It can lift boats and barges 50 feet, between the River Weaver to the Trent and Mersey Canal. Thrill seekers with a good head for heights can take a ‘behind the scenes’ tour to the top of the lift itself!

Gargoyle Spotting at Chester Cathedral

There are plenty of strange and wonderful figures to be found tucked away in the naves and crevices of Chester Cathedral, both inside and outside. One of which is the infamous ‘Chester Imp’, which inspired a Scottish artist to create a trail of 25 inspired gargoyles across the city. From the amusing to the bizarre, gargoyle spotting is the perfect way to while away an afternoon in the city.

The ‘Secret’ Nuclear Bunker

Further afield into Nantwich, and literally in a field, lies the Hack Green Secret Nuclear Bunker – so secret that its existence remained unknown for over 60 years! What would have been the seat for the regional government in the event of nuclear war, the bunker now serves as a Cold War museum and unusual attraction for this picturesque town.

Crocky Trail

Renowned for its adventurous pathways and daredevil challenges, The Crocky Trail is the ideal day out for kids to burn off some energy and have plenty of fun in the process.

With the award-winning mile-long adventure trail winding through deep forest, muddy slopes and wobbly bridges, it’s sure to be an action-packed day for all the family.

Cheshire Alpacas

Originally native to South America, visitors can now take a walk on the wild side with Cheshire Alpacas. Famed for their hypo-allergenic fluffy wool and smiley faces, you can enjoy a meet and greet with these fleecy four-legged friends, or even take an alpaca for a stroll. Walking the dog will just never be the same…

Hot Air Balloon Ride

There’s nothing like a hot air balloon ride to take in the beautiful Cheshire countryside in all its glory. With uninterrupted views across this breath-taking landscape, there’s no other way to see Cheshire than getting a birds-eye view.

And if you happen to spot a piece of land which could be the perfect site for your new home, speak to one of our advisors to help make your self-build dream into a reality.

What makes the county of Cheshire so special?

The beautiful county of Cheshire covers an area of just under 1000 square miles and has a population of around one million people. Mainly rural, Cheshire is steeped in history but is certainly not hampered by the past.

The beautiful county of Cheshire (we might be biased) covers an area of just under 1000 square miles and has a population of around one million people. A mainly rural county, Cheshire has a high concentration of villages. Agriculture is generally based on the dairy trade, and cattle are the predominant livestock. It is a county steeped in history but it is certainly not one hampered by the past, as it has become one of the leading counties for STEM development in the UK.  Historically known for its Cheshire Cheese, salt and silk, the county is now home to Jodrell Bank, and the Cheshire Science Corridor Enterprise Zone, which includes Thornton Science Park, and of course Alderley Park.

Science and nature

Cheshire is rich in nature and has some 63 areas that have been designated as areas of Site of Special Scientific Interest (SSSI). With some of the leading science and technology companies located here, Cheshire has become synonymous with innovation.  Jodrell Bank has received huge investment and holds a world-leading place in the history of astronomy, and a pioneering chapter in British scientific and cultural history. The Cheshire Science Corridor has been awarded Enterprise Zone status. It covers over 100 hectares, and has the potential to attract 20,000 jobs and 500 businesses to Cheshire and Warrington.

Elsewhere in Cheshire, Winsford has the largest working salt mine in Britain, originally opened in 1844.  It uses the world’s largest underground digger, weighing in at 130 tonnes, and over the years has cut 135 miles of tunnels beneath the Cheshire countryside, yielding 1,000,000 tonnes of salt annually.

Leisure time in Cheshire

Outside work, there is plenty in the county to keep its residents and visitors occupied.  World-leading attractions include Chester Zoo, Cheshire Oaks and the Anderton Boat Lift, and over 100 golf courses here are members of the Cheshire Union of Golf courses. Chester Racecourse is not only a highly popular horse racing venue but is also the oldest sporting venue in continual use since 1539. There are also shopping and restaurant options to meet every taste.  Keen walkers and cyclists have plenty to keep them entertained too.  The 34-mile Sandstone Trail runs from Frodsham to Whitchurch and can be completed in a strenuous one – or more leisurely – two-day walk. While the canals, rivers and woodlands in the area offer plenty to entertain.

But don’t just take our word for it

Cheshire houses the hometowns of many famous faces both current and in the past.  And many more have chosen to make their home here.  One of the counties most famous authors was Lewis Carroll (1832-1898), who wrote the Alice in Wonderland books. He was born in Daresbury.  And in more recent years, 007 James Bond actor, Daniel Craig was brought up in Frodsham. Singers and songwriters Harry Styles and Gary Barlow also both hale from Cheshire.

Cheshire is home to many footballing stars and their families, with the area around Alderley Edge being renowned as the area of choice for many of the footballing elite. Local hero and ex-footballer Michael Owen and his family have also chosen leafy Cheshire to base their racehorse stables.

Based in the heart of Cheshire, we’ve been designing and building award winning homes since we started in 1981 and we pride ourselves on our local knowledge. So, whether you’re looking to buy a new home, have dreams of a self-build project or you’re looking to buy or sell land for building, we can work with you at every step of the way. Contact us today to discuss your next move.

The Self-build Guide Part 3: Finding Land and Planning Policy

Planning Policy will impact your self-build project from an early stage. An understanding of the basic principles will enable you to determine quickly whether a potential plot is viable for planning.

Planning Policy is something that will impact your self-build project from an early stage. It’s a tricky area. An understanding of the basic principles will enable you to determine quickly whether a potential plot is viable for planning. If you are unsure about aspects of planning policy, it’s worth seeking professional advice from experts who will be dealing the processes and applications on a daily basis.

The National Planning Policy Framework

The National Planning Policy Framework (NPPF) was initially published on 27 March 2012 and was further revised on 24 July 2018. In its original incarnation the NPPF comprised over two dozen different documents called Planning Policy Statements (PPS) and Planning Policy Guidance Notes (PPG), all compiled into one document.

Over 1300 pages have been condensed into a 65-page document and a 27-page Technical Guidance document. It sets out the government’s planning policies for England and how they are applied. The NPPF outlines a framework within which locally-prepared plans for housing and other developments can be produced. It has to be considered when preparing the development plan and should be included in planning decisions.

Local Council Plans

At a more parochial level, Local Council Plans are local plans prepared by the Local Planning Authority in conjunction with the NPPF. They set out their vision for the future of each area and a framework for addressing housing needs and other economic, social and environmental priorities. The requirements of each area will be different, but in more and more cases developments in the countryside are being permitted on a larger scale, as the need for more housing has become a major issue. Idle land – for example former farmland – is being utilised for this, while in cities former industrial or other areas, referred to as brownfield sites, are also being developed. 

Neighbourhood Plans

These have become particularly important for developments in villages and towns and consider the population, the parish boundaries and the needs and desires of the local people. They assess the amenities that are already present and the ones that may be needed with future growth. They are plans developed by neighbourhoods or communities where they can set out their vision for their neighbourhood and how they see future development happening in their area. These plans have to be created in line with the Local Plan and NPPF. If adopted, they form part of the Local Plan. They enable local communities to have a much stronger say in the future shape of their community. 

When you are searching for a plot, it’s very useful to understand which Local Planning Authority (LPA) and neighbourhood boundary it falls under and if they have a Local Plan and/or Neighbourhood Plan in place. These should be available online on local council websites and even though they are hefty documents, it’s worth reading the main points in summary, in order to understand the development framework in place for that area.

It’s also worth considering the following key aspects of planning policy when plot searching and bear them in mind when identifying a suitable location – though they may not apply in all LPAs.

Where is development focused?

For the majority of Local Plans, development is focused in urban areas. This is where the majority of a region’s resources – jobs, services, amenities, facilities etc – are based. Increasingly, some Local Authorities are allowing more development in smaller towns and villages. Is your plot in an area which promotes development?

Settlement boundaries

Depending on the area’s classification, it may have a settlement boundary. These boundaries determine where towns and villages end, and where the countryside begins. Development is likely to be more feasible if the plot is within these settlement boundaries. However this is not always the case in some smaller villages and boundaries can change over time, to broaden the potential for development.  

Infill development

In the majority of cases, infill development is classed as a ‘small gap or space in an otherwise built-up road frontage’ which could allow the construction of one or two houses. Keep on the lookout for these opportunities in towns and villages, but be aware that not all these gaps are available for development, as whether it is defined as infill depends on certain criteria and the location.

Replacement dwellings

These are becoming increasingly popular in areas where land prices are high. They entail demolishing the existing property on the site and rebuilding a new one. However, there could be restrictions in conservation areas or for listed buildings. It is also important to note that in many cases, you cannot build a larger dwelling and any newbuild has to be in keeping with the surrounding properties.

Barns

Depending on the structure and the location of the barn, it may be possible to convert or re-build to a habitable dwelling, but some LPAs are now restricting these in current Local Plans.

Brownfield land

This is land which has previously been developed and is not currently in use. Many LPAs actively promote the re-use of brownfield land for development, as in some cases there will be existing infrastructure or services onsite. Depending on its location, however, there may still be restrictions on development. It is also worth checking whether there is any contamination.

All this information is useful to assess the viability of sites for development. Each site presents its own unique characteristics and we therefore always recommend getting sites appraised by professionals, who are fully compliant with current polices.

CB Homes offers FREE planning advice, so please get in touch today to find your perfect plot.

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