So DH and I have decided to have a new house built for us this year/next year (so exciting!!!).
We've been to the bank and we know what we can borrow, we know how much we want to spend, and we have a 20% deposit.
What we don't know, is what to do from here! We know we want it built by a local independent builder (support local business and all that), but we don't know how to go about finding one or what to expect the process to be. Do we find a block of land first, and then find a builder? Will the builder give us designs to choose from, or do we have to find someone else for that?
And when do we take out and start paying the mortgage?
I would love any advice from anyone who has been there, done that!