Myself and Wife looking to build our own house on land we already own. Slight problem in that I need less than 1/3 of acre from neighbour for entrance. He is looking for 200k for 1/3 of acre (agricultural value about 7k). Do not intend to give him 200k but will probably have to give him close to 100k. Had budgeted 40k. Can I get mortgage for say 120k for site entrance and add it onto build cost of house or do I have to get personal loan for 120k? 15 years ago people would do you a turn now everybody out to screw you!!