Danny,
I think that this (
Sites, planning, self-builds and extensions) isn't the proper forum for discussing how to fund houses.
I have referred your post to the moderators in case they have a better place for it.
I can offer a little help in relation to making savings in terms of design and sustainable usage of the house going forward.
What do you mean when you say:
However the banks won't lend as it is on a site and they won't do stage payments.
Do you have permission for the development of a house on this site? You did't say, so that's why I'm asking.
You can design a house to take the best advantage fo natural light and orientation so that heating it costs very little.
You can include rainwater harvesting and reed bed drainage solutions to minimise costs and outlays while in use in those areas too.
You can design the foundations to have a minimal impact and save a lot of time and money that would otherwise be spent getting out of the ground.
But you seem to have a lot of this either done or decided, expecially if you have already got permission.
Could you elaborate on your position a little in general terms?
I'm not asking for anything site-or-name-specific.
For example:
- Who designed your house - an architect?
- Did they design it to passive house standards?
- Have you built your rising walls and floor slab accordingly?
- Is it going to be insulated timber frame or externally insulated?
These decisions can affect your property build cost and running costs hugely
ONQ.
[broken link removed]
All advice on AAM is remote from the situation and cannot be relied upon as a defence or support - in and of itself - should legal action be taken.
Competent legal and building professionals should be asked to advise in Real Life with rights to inspect and issue reports on the matters at hand.