What is self-build?

Self building a house is when people who have the opportunity to design and build their own home to the budget, specification and build method they choose. There are many ways to approach self-building depending on how involved you want to be. From finding your own architect and trades, or handing the lot over to a package home company.

Where could I find a plot?

A slice of land with planning permission already in place is becoming increasingly difficult to find in parts of the UK. Try plotfinder.net or plotbrowser.com. Even property search websites like rightmove.com are worth keeping an eye on. The most common route is to demolish an existing property and start again.

How can I pay for a self-build?

A specialist self-build mortgage is like any other mortgage with varied interest rates and length of term – the difference is money is released in stage payments. Each payment relates to a key stage in the build and can be in arrears or in advance. Self-build mortgages are available through a number of banks and building societies – Build It magazine publish an up-to-date list every month.

Where can I find an architect?

Finding an architect or designer when self building a house who is in tune with your ideas is key, as are good relationships. Word of mouth is often useful for a true insight. Collate pictures of houses you like online or in magazines and jot down the architect’s name. The Royal Institute of British Architects have an online search facility of member architects at architecture.com.

At Welsh Oak Frame, our in-house design team are experts in oak frame house design. We can work with you from scratch, customise one of our existing designs or adapt your architect’s design into a desirable oak frame house.

What is a package company?

A package home company is a one-stop-shop offering a range of services, with an option to suit every self builder. A big benefit is the specialist knowledge and expertise package home companies offer in their particular build system. The package home route can be particularly advantageous if you’re a first-time self builder and need guidance through the process.

Construction input is offered at varying levels: from manufacture and supply only; through to turn-key where they take your project through to completion.

Package company alternatives

You can employ your own architect and find a building contractor who will buy materials, supply all the trades and project manage when self building a house. Or you can do everything yourself. Often self-builders take on some of the responsibilities, like buying certain materials, hiring some of the trades – and agree all the details with their builder beforehand.

How do I get planning permission?

The Planning Portal offers advice on how to submit a correct application (planningportal.co.uk/applications) or your architect/designer can do this for you. A pre-application enquiry is useful for feedback to see if you’re on the right track. If you think your application may raise big question marks then consider hiring a planning consultant to strengthen your case.

What else do I need to know?

Make sure you have appropriate insurances in place. Public liability protects against damage or injury to the public. Employer’s liability protects against injury to sub-contractors. Contract works protects the building materials and the building while under construction. Check the small print includes hired equipment and legal expenses. A 10-year structural warranty covers the house against defects for ten years after completion.