Costs and financing

How much does an oak frame cost?

Typically, the frame itself will account for around one third of the total build cost. The cost of the frame and for each project depends on the style of oak frame; the external appearance of the build; roof construction; floor construction; and site logistics. It is possible to save money by using a combination of oak and softwood.

How much will my oak frame building project cost in total?

The total cost of the full build will depend on the amount of time you are able to devote to the project and how hands on you are. Many self-builders do not undertake much of the actual building work themselves, instead, relying on tradespersons and builders. A self-builder who project manages the build will complete the project for around £125 to £175 per square foot (or £1275 to £1750 per metre square). This is a guide price based on a good specification and there is no upper limit; however, it can be brought down with clever design, and where clients are prepared to undertake some of the work themselves.

Those who do not have the time to devote and employ a project manager to oversee the build or appoint a main contractor will complete the project for around £170 per square foot (£1800 per square metre).

The total build cost includes all construction work and fitting out with foundations to kitchens and bathrooms fitted, but excludes the plot of land and landscaping. Each home is unique, so we carefully consider your budget at the design stage and work closely with you to make savings where we can, allowing us to be a little more extravagant when it comes to ‘wow factor’ features. Homebuilding and Renovating’s build cost calculator is a useful estimating tool and can be found here:

Financing your project

So, you’ve decided to build your own home or carry out a large renovation project and all that stands between you and your dream home is the funding to make it happen.

Finding a mortgage to fund your project can be one of the most daunting and complicated first steps, with most lenders unwilling to help and complex requirements from those who will.

With this in mind we have teamed up with self-build mortgage specialists, Contractor Mortgages Made Easy (CMME).

How does a self-build or renovation mortgage work?

The term ‘self-build’ does not only apply to brand new builds, but also includes commercial properties, dilapidated buildings and properties that could be turned into residential homes.

The difference between self-build mortgages and standard property mortgages is that the funds are usually drip fed to you at key stages of the build, rather than as a lump sum. It is crucial to calculate exactly how much is needed at each stage. Because the funds are not released until each key stage is met, overspending on one stage may leave you out of pocket until it is completed. To make sure each stage has been completed to a satisfactory standard, the lender will send out a surveyor to ensure the build and each stage is ready for further release of funds.

Contractor Mortgages Made Easy have helped uncountable self-builders to achieve their dream home. From minor renovation projects, to substantial ‘ground up’ works, they will help to tailor a financial package that delivers the correct level of funds for each stage of your project. For more information, please visit

*Welsh Oak Frame are not authorised to offer regulated mortgage advice. Welsh Oak Frame are introducers to Contractor Mortgages Made Easy.

Your home may be repossessed if you do not keep up repayments on your mortgage.