Here at Hanley Economic, we offer a range of products to help those wanting to build their own home. This guide is here to introduce to you how we work with you to make your dream home a reality!
Start your dream self-build home in 4 steps!
Get advice.
First, you need to speak to a Mortgage Adviser. They will talk you through the self-build mortgage process in more detail, recommend a suitable product based on your individual circumstances then – if you are happy, help you to submit your application!
See our full list of available products here.
Your application is in...
Once we receive the application, our underwriters will assess your case with the help of a Quantity Surveyor. The Surveyor will look at your costings, planning permission and more to ensure your project is suitable for us to lend you money.
Mortgage is approved!
If all the costings and information is approved – your mortgage offer will be issued!
Start the build!
Once you have received your mortgage offer you are ready to start building your dream home!
Classic stages of a self-build project!
Stage One: Foundations
Foundations are where it all begins with drainage, brickwork and floor slabs that will start to create the outline of your build.
Stage Two: Wall Plate
Now, your walls and frames come in to action, everything before your roof is placed on top! This could include the timber frame if that is the type of house you are building, you will see your first floor start to take shape and load bearing walls will be placed.
Stage Three: Wind and Watertight
During this phase of your build, you will begin to see your roof installed along with your doors and windows. Your house may still not quite be completely watertight until your roofing has been completely assembled with cladding and so on – but it should be watertight fairly quickly!
Stage Four: First Fix and Plastering
Your joinery work will start to happen quickly here, internal walls will begin to make your rooms a reality. Electrical works begin as well as piping for your water, staircases and door frames will all make your home really start to take shape. All your electrics and plumbing will be placed and then plastered over, which is why it is so important to make sure everything is in place correctly as this can be costly (and really inconvenient) to change after.
Stage Five: Second Fix and Completion
The most exciting stage for most people… the second fix means your bathroom, kitchen and more will be installed. You can start to decorate and work on external things like your garden. This will then see you through to completion before you can move in!
