Super critical
Registered User
- Messages
- 41
here are various ways of building your house, I'll PM you on idea to get a factory built house,
So, go for planning, get that secured, local needs etc, and now you have land with planning secured to act as your mortgage deposit when you approach the bank Q3 next year after 6 months in your new job. See what they say then.
There are various ways of building your house, I'll PM you on idea to get a factory built house, very warm with a swift build time, turnkey. If you can handle submitting the plans for planning approval (they do country vernacular styles not suited to urban sites or I'd have used them!) it's a cheap way of achieving your goal. They offer a few styles and you can stretch their sizes to suit. Simples!
I would never recommend starting the build and then hoping to get a mortgage to finish it, ideally you should apply for a mortgage before you even start building even if you then decide to use savings first to get it to whatever stage you can before drawing down on the mortgage.
You'd need to be very sure you were complying with all the lenders requirements if you are going to chance applying halfway through the build.
Obviously thought it's the jobs that are the issue now first and you will have to have probation finished before most lenders will even consider an application. Maybe ask a broker when is the soonest you will be in a position to apply for a mortgage, they should know the main lender requirements.
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