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before an official came out to look around the plot. “He was very pleasant, but quite negative,” Tim says. “I understand they have to prepare people, make sure you’re fully aware there are lots of regulations, they don’t want to say ‘this is going to be easy.’”


Although he’d never done a full house build


before, construction wasn’t completely new territory for Tim, having done some smaller scale projects before. He says that although he was “fairly prepared, this was a learning curve.” The next step was to appoint an architect, which Tim did on the recommendation of his builder David. Semi-retired Peter Cook took Tim’s sketches, which showed how the house should look and where it would sit on the plot, and “redrew them correctly,” by hand.


A LOAN LESS ORDINARY With only a small mortgage left on their current house, Tim and his wife, Janet, thought they would be able to easily get their hands on money for the build, but soon learnt that getting the finance from high street banks for their project was doubtful. Their bank manager instead put them in touch with financial advisor Richard Reuss, who suggested they approach specialist mortgage lender Together. After assessing the plans, Together offered a


remortgage deal to release some equity. “It’s unlikely that high street banks would lend for


jul/aug 2021 www.sbhonline.co.uk 63


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