Phase 01 / Dreaming

Initial Scope & Budget.

Select a common project archetype below or customize your parameters from scratch.

45 m²

Kitchen / Diner Ext.

Open-plan rear extension with bifold doors and skylights.

Load Baseline →
35 m²

Loft Conversion

Rear dormer loft conversion with en-suite bedroom.

Load Baseline →
160 m²

Whole House Refurb

Full internal renovation plus ground-floor extension.

Load Baseline →
220 m²

Ground-Up New Build

Custom multi-storey replacement dwelling (VAT Exempt).

Load Baseline →

Notice: New build properties assumed VAT exempt. Extensions/renovations include 20% VAT within base rates.

Gross Internal Area (GIA):

Total area measured from the internal face of external perimeter walls.

Include halls & stairs. Exclude external walls & open balconies.

120 m²

Project Summary

Net Build Cost£0
Professional Fees£0
Contingency Buffer£0
Total Estimated Budget
£0
Phase 02 / Planning

Design & Legal.

Pre-construction management, regulatory feasibility, and unified consultant allocation.

Site Parameters

Property Conditions.

Evaluated Planning Route

Lawful Development Certificate.

Permitted Dev

Your project parameters align with standard Permitted Development rights. A Lawful Development Certificate is advised prior to tender to prove legal compliance.

Target Submission 10 Weeks Pre-Site
Council Risk Level Low Risk (Class A)

Professional Services & Expert Checklist.

A breakdown of required specialists, estimated costs, and key hiring stages.

Total Fee Pot £0
Showing 8 Specialists
Phase 03 / Procurement

Contracts & Tendering.

Legal protections, stage payment cash flow, and builder tender vetting before signing.

Procurement Route

Contract Mode.

Notice: Having your Architect or QS act as Contract Administrator ensures independent site valuations before you release stage payments.

Recommended UK Legal Contract

JCT Homeowner Contract.

Standard Form

Designed specifically for residential projects. Protects your deposit, enforces completion dates, and sets clear liquidated damages if the builder runs late.

Retention Holding

Retention Explained

A percentage (3% to 5%) withheld from payments. Half released at completion; half held until end of defects period to ensure snagging fixes.
5% Held Until Completion
Defects Liability Period

Defects Period Explained

A set timeframe (6 to 12 months) post-completion where the contractor must return to fix any defects or shrinkage at zero extra cost.
6 Months Rectification
Due Diligence Audit

Contractor Verification.

Complete all 5 sequential due diligence checks before signing contracts or releasing funds.

Audit Status 0 / 5 Steps Cleared
Action Required
Interactive Cash Flow

Valuation Drawdown Tracker.

0 of 6 Stages Certified
Total Net Build£0
Certified Drawdown£0 (0%)
Active Retention Pool£0
Phase 04 / Selections

Procurement & Selections.

Pre-construction decisions, long-lead factory orders, and Prime Cost (PC) sum budget variance control.

Finishes & Spec Variance
On Allowance
Total Finishes Variance vs Baseline
£0

Adjust individual item budgets below to see how choices impact your contingency fund.

Critical Path Lead Time
Factory Queue
Longest Single Lead Time Item
8 Weeks

Ensure glazing, kitchens, and steel orders are signed off early to prevent site stoppage.

Critical Path Materials & Systems.

Select your chosen products to calculate factory lead times and set sign-off target dates.

Specification & Upgrades Manager.

Compare default contract allowances against actual quotes or high-end choices.

Phase 05 / Construction

Construction.

On-site execution stages, lead-time factors, and programme forecast.

Phase 01 Exec

Structure & Envelope

Groundworks, foundations, masonry walls, steel RSJs, roof structure, and weatherproofing.

Site Prep & Clearance

Demolition, hoarding, welfare setup, skip placement, and ground clearing.

Foundations & Slab

Trench digging, inspector sign-off, concrete pour, and floor slab laying.

Brick & Blockwork

Cavity wall construction, wall ties, lintels, and damp-proof course (DPC).

Structural Steelwork

Steel beam hoisting, padstone setting, goalpost frames, and fire casing.

Roof Coverings

Rafter/truss framing, membrane, battening, tiles/slates, and lead flashing.

Windows & Doors

External window fitting, bifold door frames, rooflights, and sealing.
Phase 02 Exec

First Fix & Services

Internal partition framing, cable routing, plumbing runs, underfloor heating, and plasterboarding.

Carpentry First Fix

Timber/metal stud partitions, joist leveling, and door lining frames.

Electrical Cables

Consumer unit prep, ring mains, lighting circuits, and backbox chasing.

Plumbing 1st Fix

Supply pipes, soil stacks, gas lines, and underfloor heating loops.

Insulation Layers

Rigid PIR boards and acoustic wool fitted to walls, floors & ceilings.

Plasterboarding

Fire-rated & moisture-resistant plasterboards fixed to studs & masonry.

Plaster Skimming

Joint taping, angle bead fixing, and two-coat multi-finish plaster skim.
Phase 03 Exec

Fit-out & Finishes

Kitchen/bathroom fitting, second-fix joinery, floor coverings, tiling, decorating, and final sign-off.

Kitchen Installation

Cabinetry fitting, worktop installation, island assembly, and appliances.

Sanitaryware Fit-out

Baths, shower enclosures, WC units, basins, and valve connections.

Second Fix Joinery

Internal doors, architraves, skirting boards, handles, and stair spindles.

Second Fix MEP

Switch faceplates, downlights, radiator hanging, and boiler fire-up.

Tiling & Flooring

Wall tanking, porcelain floor tiling, grouting, and engineered wood.

Painting & Decorating

Plaster mist-coating, wall emulsion, and woodwork satin painting.

Project Programme Schedule.

Cascading schedule showing sequential project phases, lead times, and critical path milestones.

Pre-Site Lead Time 0 Weeks

Design, surveys, permissions & tender vetting.

On-Site Build Duration 0 Weeks

Demolition, substructure to final decoration.

Total End-To-End Duration 0 Weeks

Full journey duration from dreaming to keys in hand.

Phase 06 / Completion

Handover & Sign-Off.

Practical completion certification, retention release calculation, and statutory O&M documentation binder.

Milestone Status

Practical Completion.

Keys Turnover Active

Site risk and building insurance responsibility transfer back to the homeowner on this date.

Contract Rectification Term 6 Months Rectification Window (DLP)
Contract Retention Pot (5% Total)

£0.

JCT Stage 6

At Practical Completion, 50% of the withheld retention fund (2.5% of net build) is released to the main contractor. The remaining 50% is safely held in trust until the Defects Liability Period expires.

Initial Release Now (2.5%) £0
Held Until End of DLP (2.5%) £0

Operation & Maintenance (O&M) Pack.

Mandatory certificates, energy ratings, and equipment guarantees required before final payment sign-off.

Legal Compliance

Building Control Completion Cert

Final legal certificate confirming compliance with UK Building Regs.

Gas Safe Installation Cert

Boiler commissioning certificate & pipework pressure test pass.

Part P Electrical Safety (EIC)

Mains consumer unit test results & fixed wiring completion cert.

EPC & Part L Energy Cert

Final Energy Performance Certificate & As-Built SAP rating compliance.

MCS & Renewables Certs

Solar PV, battery, or heat pump commissioning & DNO registration.

Manufacturer Guarantees

10-25yr flat roof, glazing, bifold door, and boiler warranty cards.

Phase 07 / Aftercare

Defects & Snagging.

Post-handover defects liability management, seasonal drying-out monitoring, and contractor snagging log.

Post-Handover Timeline

Defects Liability Control.

PC Date:
0 of 4 Sign-offs (0%)
Quality Control Audit

Client Snagging Log Sheet.

Log defect items room-by-room and export an official signature sheet for contractor rectification.

Defects & Snagging

Homeowners Build Guide | Construction Cost & Lifecycle Planner
Phase 01 / Dreaming

Initial Scope & Budget.

Select a common project archetype below or customize your parameters from scratch.

45 m²

Kitchen / Diner Ext.

Open-plan rear extension with bifold doors and skylights.

Load Baseline →
35 m²

Loft Conversion

Rear dormer loft conversion with en-suite bedroom.

Load Baseline →
160 m²

Whole House Refurb

Full internal renovation plus ground-floor extension.

Load Baseline →
220 m²

Ground-Up New Build

Custom multi-storey replacement dwelling (VAT Exempt).

Load Baseline →

Notice: New build properties assumed VAT exempt. Extensions/renovations include 20% VAT within base rates.

Gross Internal Area (GIA):

Total area measured from the internal face of external perimeter walls.

Include halls & stairs. Exclude external walls & open balconies.

120 m²

Project Summary

Net Build Cost£0
Professional Fees£0
Contingency Buffer£0
Total Estimated Budget
£0
Phase 02 / Planning

Design & Legal.

Pre-construction management, regulatory feasibility, and unified consultant allocation.

Site Parameters

Property Conditions.

Evaluated Planning Route

Lawful Development Certificate.

Permitted Dev

Your project parameters align with standard Permitted Development rights. A Lawful Development Certificate is advised prior to tender to prove legal compliance.

Target Submission 10 Weeks Pre-Site
Council Risk Level Low Risk (Class A)

Professional Services & Expert Checklist.

A breakdown of required specialists, estimated costs, and key hiring stages.

Total Fee Pot £0
Showing 8 Specialists
Phase 03 / Procurement

Contracts & Tendering.

Legal protections, stage payment cash flow, and builder tender vetting before signing.

Procurement Route

Contract Mode.

Notice: Having your Architect or QS act as Contract Administrator ensures independent site valuations before you release stage payments.

Recommended UK Legal Contract

JCT Homeowner Contract.

Standard Form

Designed specifically for residential projects. Protects your deposit, enforces completion dates, and sets clear liquidated damages if the builder runs late.

Retention Holding

Retention Explained

A percentage (3% to 5%) withheld from payments. Half released at completion; half held until end of defects period to ensure snagging fixes.
5% Held Until Completion
Defects Liability Period

Defects Period Explained

A set timeframe (6 to 12 months) post-completion where the contractor must return to fix any defects or shrinkage at zero extra cost.
6 Months Rectification
Due Diligence Audit

Contractor Verification.

Complete all 5 sequential due diligence checks before signing contracts or releasing funds.

Audit Status 0 / 5 Steps Cleared
Action Required
Interactive Cash Flow

Valuation Drawdown Tracker.

0 of 6 Stages Certified
Total Net Build£0
Certified Drawdown£0 (0%)
Active Retention Pool£0
Phase 04 / Selections

Procurement & Selections.

Pre-construction decisions, long-lead factory orders, and Prime Cost (PC) sum budget variance control.

Finishes & Spec Variance
On Allowance
Total Finishes Variance vs Baseline
£0

Adjust individual item budgets below to see how choices impact your contingency fund.

Critical Path Lead Time
Factory Queue
Longest Single Lead Time Item
8 Weeks

Ensure glazing, kitchens, and steel orders are signed off early to prevent site stoppage.

Critical Path Materials & Systems.

Select your chosen products to calculate factory lead times and set sign-off target dates.

Specification & Upgrades Manager.

Compare default contract allowances against actual quotes or high-end choices.

Phase 05 / Construction

Construction.

On-site execution stages, lead-time factors, and programme forecast.

Phase 01 Exec

Structure & Envelope

Groundworks, foundations, masonry walls, steel RSJs, roof structure, and weatherproofing.

Site Prep & Clearance

Demolition, hoarding, welfare setup, skip placement, and ground clearing.

Foundations & Slab

Trench digging, inspector sign-off, concrete pour, and floor slab laying.

Brick & Blockwork

Cavity wall construction, wall ties, lintels, and damp-proof course (DPC).

Structural Steelwork

Steel beam hoisting, padstone setting, goalpost frames, and fire casing.

Roof Coverings

Rafter/truss framing, membrane, battening, tiles/slates, and lead flashing.

Windows & Doors

External window fitting, bifold door frames, rooflights, and sealing.
Phase 02 Exec

First Fix & Services

Internal partition framing, cable routing, plumbing runs, underfloor heating, and plasterboarding.

Carpentry First Fix

Timber/metal stud partitions, joist leveling, and door lining frames.

Electrical Cables

Consumer unit prep, ring mains, lighting circuits, and backbox chasing.

Plumbing 1st Fix

Supply pipes, soil stacks, gas lines, and underfloor heating loops.

Insulation Layers

Rigid PIR boards and acoustic wool fitted to walls, floors & ceilings.

Plasterboarding

Fire-rated & moisture-resistant plasterboards fixed to studs & masonry.

Plaster Skimming

Joint taping, angle bead fixing, and two-coat multi-finish plaster skim.
Phase 03 Exec

Fit-out & Finishes

Kitchen/bathroom fitting, second-fix joinery, floor coverings, tiling, decorating, and final sign-off.

Kitchen Installation

Cabinetry fitting, worktop installation, island assembly, and appliances.

Sanitaryware Fit-out

Baths, shower enclosures, WC units, basins, and valve connections.

Second Fix Joinery

Internal doors, architraves, skirting boards, handles, and stair spindles.

Second Fix MEP

Switch faceplates, downlights, radiator hanging, and boiler fire-up.

Tiling & Flooring

Wall tanking, porcelain floor tiling, grouting, and engineered wood.

Painting & Decorating

Plaster mist-coating, wall emulsion, and woodwork satin painting.

Project Programme Schedule.

Cascading schedule showing sequential project phases, lead times, and critical path milestones.

Pre-Site Lead Time 0 Weeks

Design, surveys, permissions & tender vetting.

On-Site Build Duration 0 Weeks

Demolition, substructure to final decoration.

Total End-To-End Duration 0 Weeks

Full journey duration from dreaming to keys in hand.

Phase 06 / Completion

Handover & Sign-Off.

Practical completion certification, retention release calculation, and statutory O&M documentation binder.

Milestone Status

Practical Completion.

Keys Turnover Active

Site risk and building insurance responsibility transfer back to the homeowner on this date.

Contract Rectification Term 6 Months Rectification Window (DLP)
Contract Retention Pot (5% Total)

£0.

JCT Stage 6

At Practical Completion, 50% of the withheld retention fund (2.5% of net build) is released to the main contractor. The remaining 50% is safely held in trust until the Defects Liability Period expires.

Initial Release Now (2.5%) £0
Held Until End of DLP (2.5%) £0

Operation & Maintenance (O&M) Pack.

Mandatory certificates, energy ratings, and equipment guarantees required before final payment sign-off.

Legal Compliance

Building Control Completion Cert

Final legal certificate confirming compliance with UK Building Regs.

Gas Safe Installation Cert

Boiler commissioning certificate & pipework pressure test pass.

Part P Electrical Safety (EIC)

Mains consumer unit test results & fixed wiring completion cert.

EPC & Part L Energy Cert

Final Energy Performance Certificate & As-Built SAP rating compliance.

MCS & Renewables Certs

Solar PV, battery, or heat pump commissioning & DNO registration.

Manufacturer Guarantees

10-25yr flat roof, glazing, bifold door, and boiler warranty cards.

Phase 07 / Aftercare

Defects & Snagging.

Post-handover defects liability management, seasonal drying-out monitoring, and contractor snagging log.

Post-Handover Timeline

Defects Liability Control.

PC Date:
0 of 4 Sign-offs (0%)
Quality Control Audit

Client Snagging Log Sheet.

Log defect items room-by-room and export an official signature sheet for contractor rectification.

Homeowners Build Guide

A free guide to understand the building process — explained simply, step by step.

© 2026 Homeowners Build Guide. All Rights Reserved.