Mortgage Budget Planner

What is Planning + Building Control Service?

Our full package includes a range of consultants including the architect, land surveyor, sewerage and drainage specialist, civil and structural engineer and heating system engineer.  It also includes the principal designer role.  This full service costs £9,800 + £2000 (principal designer) + VAT.  This will take your project through the planning and building regulation stage so all permissions are in place to start on site. 

Some of these services may not be required so the figure will be less.  Alternatively you can organise and use your own consultants. If you are applying for a mortgage the lender will want to know a reasonable estimate of all these costs. 

Why Use a Quantity Surveyor (QS)?

You will require a QS to act as an independent construction professional on your build.  We recommend that they review our Estimate of Costs on your chosen design once site information is known.  This will cost around £600 but more if they have to visit the site.

We also recommend that the QS is used to oversee the competitive tender of your build or to examine and approve the final costs from our affilated contractor for the turnkey service.  After this the QS is retained to organise the signing of the minor works contract and act as the contract administrator.  Allow £10,000 + VAT for all these services but it may be more depending on the location of your project. 

You will need to pay fees to the local authority for your planning application (typically £401) and your Building Warrant application. The building warrant fee is based upon house size in square metres and construction cost. This cost can vary greatly so please consult your local planning and building control office for more information.  Allow £1,500 if unsure. 

In England you can use a third party professional to submit your drawings to the council for building regulation approval.  Fees will vary if using this service. 

If you require a mortgage you will often require to have a pre-valuation of the proposed house undertaken by a chartered surveyor.  Depending on your mortgage you may also require valuations at different stages of the build as well as on completion. 

You may incur costs on finance consultancy, lender arrangement fees, broker fees and mortgage fees (exiting from a specialist self-build mortgage).  Expect to provide a lender an estimate for these when arraging a mortgage. 

Use our Estimate of Costs (EoC) to provide a clear picture of the expected costs.  A QS should update this once site information is known meaning you have fairly accurate estimates at an early stage for any mortgage application.

It is also important that you include site servicing costs.  Obtain estimates for water connection, BT and electricty connection, road formation and sewerage and drainage.  Your QS will estimate these if you do not yet have a formal quote.

Until your house is fully specified and a final tender price has been provided by your contractor, you will not know the exact cost. An updated EoC from a QS is the best you can obtain before this is available. 

Exclude Hebhome kit supply and erection costs from this figure.

What is included in the package price?

The package price depends on which type of package you choose. For example, you may wish to choose a supply and install package rather than supply and deliver only. The base prices shown on our website are for supply and delivery only, without any added options such as internal joinery pack.

The VAT rate payable also depends on which package you choose. Our base package (supply and deliver only) is normally standard-rated (20%) for VAT. The VAT element can be reclaimed from Customs and Excise upon project completion. Where there is an installation element (I.e. where we both supply and install) the package will normally be zero-rated for VAT.

The rest of the build will be handled by the contractor of your choice. Alternatively, you may wish to 'self-build', where you arrange the rest of the build yourself. This involves arranging the various trades and materials required, possibly even with an element of your own labour.

You should allow a figure for furnishing your house.  Your mortgage lender will want to know how much you intend to spend if you are borrowing.