Footings & Foundations
New residential buildings must comply
with Part L1A of the Building Regulations,
which states that a SAP assessment must be
undertaken and submitted to Building Control
prior to the start of any works on site.
It may seem like this restricts you when trying
to create your dream home, however with the
correct support, SAP assessment can be a much
Only a registered energy assessor can
complete a SAP assessment for your project, so,
what’s the best plan of action when it comes to
getting quick sign off? Here are a few key tips:
• Make sure the SAP assessment service is
completed at the earliest possible point at
• Use an accredited SAP assessor – such
as Build Aviator - that can take your plans
and provide you with a compliant product
specifi cation to the latest building regulations.
• Get a product list of materials required – some
services will only provide you notional values of
products, and this can lead to confusion when
translating what is required on site.
• Use a service that features Registered
Construction Details (RCDs) within the
assessments. These provide details on how to
build specifi c junctions within the project and
help to design out any thermal bridging issues.
Tel: 0800 032 8968
By following these guidelines, you can reduce
the risk of non-compliance and the cost of
remedial works later on in the project, plus free
up your time to focus on the fun elements of a
project such as choosing gadgets, fi xtures and
To fi nd out more about the SAP
assessment service from Build Aviator
call 0800 032 8968
Build Aviator The self-build process
Build Aviator provides a range of services
to help builders, architects, and selfbuilders
reduce risk of non-compliance,
save time and increase effi ciency during
the build process.
We offer a range of services and support
at each stage of the build process, from
helping in achieving compliant product
specifi cations, to assisting with a smooth
process through building control sign-off.
Clients’ needs are at the heart of every
project, whether that is building to minimum
regulations or achieving an increased level
of comfort and energy-effi ciency.
Through our services, guidance and
support, Build Aviator enables you to
build compliantly, intelligently and to
a specifi cation that works for you, with
products that are locally available.
Marcus Jefford, commercial director at Build Aviator, provides advice on
steering you in the right direction when it comes to the build costs of your
For many, including myself, a selfbuild
is the dream, but the reality
is you need to have a certain
amount of cash behind you.
Unless you can afford to keep
your existing property, you may
take up residence on-site to reduce costs until
your new home is complete.
The on-site living costs I can’t provide advice
on, however, I can provide expertise regarding
the build costs, and you may discover you don’t
need as much cash as you fi rst imagined to go
forth with your self-build.
How to fi nance your self-build
Using equity from an existing property is likely
to be your best option and typically the route
most self-builders take. You can now get a
mortgage for 75% loan to value (LTV) , which
could open up the option of a self-build to fi rsttime
buyers, or even those who have paid off
their mortgage and have savings.
A self-build mortgage is based upon a valuation
of the land, a detailed cost analysis, design
drawings and planning consent.
These mortgages work a little differently
to a normal mortgage, as they are given out in
stages, to provide the necessary funds needed at
different parts of the build process. It’s important
to remember though, that the LTV is only 75%, so
at each stage you will only receive three quarters
of the funding needed. So, you will need to make
sure you’re sticking to budgets and have a cashfl
ow forecast to cover the rest yourself. Normally
the payment stages are:
• Land purchase
• Footings and foundations
• Construction of the walls
• Roofed in
• Internal/fi nal completion.
The staged mortgage release will also
involve regular inspections prior to each phase
before an instalment is released. As with any
mortgage it’s important to check the interest
rates, whether any upfront charges are involved
– such as arrangement fees or valuation fees
– and most importantly ask about any hidden
charges. Sometimes the upfront fees can be tied
into the mortgage, however, this is usually not
advised as this small amount of borrowing is
added onto the overall loan, which means you
will be paying out interest on these fees for the
full term of the mortgage.
Lenders may also have certain stipulations
on the design and build process as part of the
borrowing agreement. These terms could be
that they require you to use a National House-
Building Council registered architect or employ
a main contractor. They may also restrict
certain build methods or charge you for the
on-site inspections, which could increase your
overall fi nances by thousands.
Another crucial question to ask the mortgage
lender is: “Do they charge penalties for delays
in the build?”, as self-builds rarely run exactly
to the planned timescale. Therefore, any such
penalties could also add on signifi cant and
unexpected costs if you don’t ask the question
before you sign on the dotted line.
6 Summer 2018