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The Essential Guide » Initial Stages of a Project » How Much Will it Cost to Self Build? ( Part 2)
HOW MUCH WILL IT COST TO SELF BUILD?
( PART 2 )
Fitting out / finishing:
As with most of the other decisions you will make throughout the project, your approach to the latter stages of the building process can have a dramatic effects on costs.Here are some of the items which, depending on the choices you make, can have major implications on your budget:
Kitchens:
A nice new kitchen can cost you £2500, or it can cost you £25,000. The difference choosing one of those prices over the other makes to the project is £25,000. If you opted for the £25,000 kitchen you would probably not see a £22,500 increase in the “end value” of your property (maybe £10,000).
It’s easy to spend £15,000 on a kitchen, but if your build budget is £60,000 then a £15,000 kitchen would take up 25% of your TOTAL BUDGET! – This is just not practical, and if you are heading in that direction, give yourselves a sharp smack on the wrists and stop it! – If your total budget is £60,000 then you should be looking to spend £4,000 - £6,000 (max) on your kitchen. In other words aim to keep your kitchen costs BELOW 10% of your total costs. - With that percentage getting smaller, the higher the build budget. For a £200,000 house you should be able to get a very nice kitchen for around £12,000, or 6% of your budget.
Bathrooms:
You can get a nice bathroom suite for less than £500, or you can pay £5000. Again, the dearer one will not necessarily pay for itself in increased “end value” of the house. So be sensible. In a £60,000 budget leave about £2,000 max for “bathrooms”. That includes en suites and w/c. If you shop around you will get some nice equipment for that sort of money. As you head up towards the more expensive projects you can afford to be a little more flexible, but if you start to spend more than about £8,000 on bathroom suites on anything up to a 5 bed house, you are probably spending more than you need to.
Tiling:
Prices vary from around £5 / sq m and go up to £80 / sq ft (or even more) for tiles. Depending on how much tiling you are thinking about doing, the implications of picking the dearer end can run into thousands of pounds. If you are fully tiling three bathrooms, including floors, plus your kitchen, utility room, and possibly hallway, you could end up using over 200 sq m of tiles. The implications of using a tile at either end of the price scale would be a difference in the cost of the tiles themselves of up to £15,000!
On top of that there is the cost of fitting the tiles. For basic tiling you could pay as little as £12 / sq m. For complicated patterns you could pay £50 / sq m. The cost implications at either end of that scale are £7,600! – So, add the 2 together, and you have a range of well over £20,000 in the potential costs for tiling.
(Hint: Shop around. Many tiles shops stock similar tiles at greatly different prices. Also, before you look for tiles, work out how many sq metres you are going to need and give yourself a maximum budget. – You can lower your costs by not tiling the walls to “full height”. You actually only really need to have tiles around the bath and shower, plus a “splashback” to the sink, but apart from that any other tiling in your bathrooms is usually “luxury” and not “necessary”.
Decorating:
Many people decide to have a go at decorating their own houses. It’s one of the areas you can save a considerable amount of money whilst actually also having a “practical input” into your own project.There are so many variables with decorating that it is not possible to give you accurate figures for each type of project. You will need to build up your own costs by getting quotes from sub contractors and / or suppliers, or using an Estimator or Quantity Surveyor to take off the quantities from your drawings and work out rough prices, based on what you want in each room.
However, here are a couple of thoughts to bear in mind:
1) Cheaper paint can cost you more! – You would normally think about giving your walls and woodwork at least 2 coats and maybe three coats of paint. If you use thin cheap paint, you will almost certainly need 3 coats. However, if you invest in a good quality “thick” paint, you may get away with one, or even possibly 2 coats less. This may actually prove to be cheaper in materials than using the thin stuff. – BUT actually the main saving would be in the cost of the “labour element” – By using the thicker paint you may be able to cut the decorating “labour” by up to 66%, which would cut the quotes from the sub contractors “drastically”, possibly saving you a couple of £1,000 or more. (OR: If you are doing the painting yourselves, you can be getting on with something else much quicker!)
2) New plaster or plaster board tends to “suck in” the first coat of paint, so you will use more paint for the first coat than the top coats. – Again, some of the “thick paints” are designed for “New Plaster” and don’t suffer as much from the “Soaking in effect”.
3) Doing the painting yourselves can cost you more money in the long run! – If your painting skills are not up to the job, but you are determined to do it anyway, you could end up making such a mess of it that it actually devalues your new home (I have seen examples of this!). If you are not confident in producing at least a reasonable quality job, get someone in to do it.
4) “Colours add cost”: Especially if you are using sub contract Painter and Decorators. – Changing colours for each room takes time. It means cleaning out brushes, rollers, trays etc. Coloured paint also tends to be more expensive than white or magnolia to buy.
5) Negotiate: If you use one supplier for paint for the whole house you will be giving them a substantial amount of business. Use this fact to negotiate “Trade prices” where you can.
Flooring:
Carpets and flooring prices cost from £3 / sq m, up to £80+ / sq. m. If you take the 2 ends of the scale, in a 2000 sq ft house, you could spend less than £600 for cheap carpets to simply “cover the floor”, and about £1000 for underlay and fitting. At the other end of the scale, you could spend £15,000 on the carpets and a further £5,000 on underlay and fitting. – A difference of nearly £20,000!
This is one of those “large costs” that some people don’t think they should include as a “build cost”, but it is! – As I said earlier, anything money which goes into the project, which you would not have “otherwise” spent is a “real cost”. It all comes out of your bank account, and you can only spend your money once. If you are on a tight budget you could consider postpone carpetting rooms which aren’t going to be used for a while, for a few months until you have some more cash (or your vat refund). That way you can get better flooring for the main rooms. You can normally get a nice quality carpet or laminate floor for around £15 / sq m. For a 2000 sq ft house this would cost you around £2750 for carpet, which, with an “average” underlay and fitting you would expect to pay a total of around £4250.
Lighting:
Normal pendant lights cost very little. – A couple of pounds each to buy, or maybe a hundred pounds or so for the whole house. But, for not a lot of money, you can upgrade your lighting and add considerable value to your home.In recent years lighting has become a more important part of house design. There are sections in other parts of this guide which cover the subject of lighting in more detail, but as a guide, I would say that an investment in upgrading your lighting is normally a good one, as long as you don’t go over the top.
For example: For around £25 you can get a “remote controlled” light switch and the “remote” to go with it. For £100 or so, (including the extra wiring) you could have a set of around 6 spotlights in the ceiling of a room. So, a “remote controlled” set of spotlights, which can enhance the use of a room considerably, could be installed for around £125. For a full house that would equate to an additional cost of between £1000 and £2000, but would probably add considerably more to the value to the property.
LED lighting is more expensive, but can be very effective in the right place, and you don’t need much of it to create an effect. I would definitely say that the cost of a few well situated LED lights in a kitchen would be a more cost effective way of increasing the impact of the finished job than buying an extra wall unit! – They would probably add considerably more value to the property too.
To upgrade your lighting from standard pendants you could budget around £2000 and get a really effective house wide system for your money.
(Note: If you want to look into what is available to you in respect of lighting design, you could visit a Self Build or Trade exhibition. There tend to be a good number of lighting companies who use the exhibitions to reach their markets and let them see some of the products actually working).
Finishing joinery generally:
You may not think that your choices of internal doors, a set ofstairsand a few bits of skirtingsandarchitraves could have any sort of substantial effect on your budgets, but they can! – Self Builders tend to want their houses to “look” better than the “big developers” properties. The most obvious way they can do this is with the “finishes”. In other words “the bits everyone sees” as soon as they walk in to the house. Apart from the kitchens and bathrooms, the “joinery items” tend to be the most obvious.
There is a tendency to “push the boat out” and go for expensive products when choosing these items. Due to their prominent nature, good choices can add value to the property, but only to a limited extent.
Here are some ideas on the cost ranges for the main items:
Internal doors:
A moulded hardboard door similar to those normally seen in developers houses can cost as little as £15. Ironmongery sets start from about £5. A high quality oak door with bevelled glazing could set you back £250 or more. Matching hinges and handles (of similar quality) will cost between £25 - £50 per set.
You will usually need between 15 and 20 doors for an average Self Build project, so the comparisons at each end of the price scale give figures ranging between £440 and £6000. You should get a nice door for about £75 - £100, and decent quality ironmongery for about £20 per set, giving a cost of around £2400.
Skirtings / Architraves:
Starting prices for 4” “pencil round” skirting and 2” pencil round architrave will be around £1 - £2 / metre. At the other end of the scale, 9” solid oak skirtings could run to more than £35 / metre, and 3” architraves to about £15 - £20 / per metre. In a full 4 / 5 bed house you can easily get through 200m of skirtings and the same amount of architrave, so costs could range from as low as £400 for the cheapest options, up to £10,000 for the solid oak option. In the middle are cheaper solid woods and also a selection of MDF products which have a real wood veneer attached to give the appearance of being solid wood. These products are more reasonably priced at anything between £6 / £15 metre for skirtings and £4 / £10 for architraves. At, say £10/ metre for skirtings and £6 / metre for architraves, this would total £3200 in total. If your total budget is around £70,000 - £80,000, that’s actually a lot of money to spend on this one “bit”, but you may decide that the quality of the finish it gives your home makes the cost worthwhile.
Staircases:
A standard set of straight stairs made of softwood can cost you as little as £200. Handrails and spindles can add a minimum of around £150, and fitting costs of around £100, giving a basic cost set of stairs, of around £450. If you have designed a hardwood “feature staircase” with extra wide steps, landings, and extra handrails around a viewing gallery or some other features, you could end up paying (including fitting) around £15,000.
Many Self Builders do like to create something a bit special with their staircases, and you can do so, even on a fairly tight budget. Ordering an extra wide staircase made from a good quality softwood (which you can stain instead of painting), with higher grade “spindles”, “newels” and “handrails”, need not cost you much more than around £1000 in total. Where you are happy to pitch your budget within the range of prices is up to you.
External works / Landscaping:
“Outside” there are just as many options for you to “spend or save” on as there are “inside”. Including:
Driveways:
The cheapest options will usually be gravel. Depending on where you are in the UK, the different types of gravel will vary in price. Generally the “grey” stone is cheaper than the “golden” stone. – It is better if you buy gravel in “full loads” rather than “25kg” or “1 tonne” bags. You could pay in the region of half the bagged price if you buy in bulk.Next up the range will usually be Tarmacadam, then Brick paving / Imprinted concrete. The costs of all these products vary too much for me to give you any sorts of figures. Prices not only vary by the materials themselves, but also by the shape, size and slope of the drive, together with any special features, or drainage requirements, along with other factors. You will usually need to get quotes from local contractors to get accurate prices.
As a rule, if you are on a “tightish” budget, consider gravel or tarmac. If you are more flexible then you can consider going for imprinted concrete drives or brick paved drives.
Paths:
Similar to driveways, gravel tends to be the cheapest option, but you could also consider using one of the hundreds of designs of “slabs”. These vary from around £5/ sq metre to £50 / sq metre. On top of that you have the labour cost for laying them of around £10 / sq m and usually a sand / cement bed costing around 50p / sq m.
Turfing:
Seeding is usually the cheapest option, but if you need to buy topsoil in before you can seed, then turf may be a better option. Seeding alone will cost next to nothing. Turfing is also pretty cheap, starting at as little as £1.50 / sq metre (at some times of year). Laying the turf will cost around £1.50 - £2.50 / sq yd. The best turf may cost up to around £5 / sq metre to buy.
Planting:
Small plants are obviously usually going to be the cheapest to buy. If you can find a local Garden centre or landscaping supplier who can provide everything you need, you may be able to come to some terms over discounts.
For a small garden, a couple of hundred pounds will get you enough small plants to give your garden a bit of interest. £1,000 would get you a good selection of plants with some nice specimens enough to give interest to a medium sized garden
Decking:
Over the past few years this has become one of the most popular ways of upgrading or improving a garden.It doesn’t have to be too expensive, doesn’t take long to build and requires little maintenance (a coat of stain once a year on average). Costs will vary dramatically however depending on your design and what components you use.
You should be able to “buy and build” enough decking for 2 people to sunbath on for less than £1,000 but the cost can easily go up from there to well over £10,000 for a “feature decking” large enough to throw a party on.
Fencing/ Garden Walls:
“Post and rail” fencing is about the cheapest type of fencing. You simply buy treated posts (usually 3” x 3” or 4” x 4”) of the height you want the fence to be, plus about 18” to “go in the ground”, and either hammer them in, concrete them in, or use one of the metal “spikes” which you can buy in most DIY stores, into which they slot (if you use a spike you don’t need to allow the extra 18”).
You set the posts at roughly 2m centres, but there is nothing hard and fast about the distance between posts as long as you don’t space them TOO far apart and weaken the fence structure too much. You then simply nail treated “rails” between the posts. Rails can be anything from 2” x 1” to 6” x 1”, or 2” x 2” to 6” x 2”. The cost of this type of fencing will be around £2 to £6 of pounds per post (depending on the length) and up to £2.50 / metre for the rails. Spikes will cost a few pounds each, and the same goes for concrete for each post.
You may be able to construct this type of fencing yourselves, but it shouldn’t cost much to get someone in to do it.
The next step up in fencing would be panel fencing. Usually panels come in 3’ or 6’ heights, and 6’ lengths. Basic 3’ panels can cost from less than £10 each, and the prices then go up to over £80 for 6’ high quality feature panels. Again you need a post, concrete, or a spike (for fitting panel fencing, unless you know what you are doing, you may not get away with “hammering” a post in. - The “positioning” needs to be accurate and that is difficult to achieve without concreting or using a spike). You need a little more expertise to be able to put up one of these fences, so you may decide to get it put up professionally. Labour costs for this will be from about £10 per “post and panel” upwards.
Next comes the “hand built” fencing (which really needs a professional fencer to guarantee a good job. Posts are set in concrete normally, and rails attached to the posts. Timber “slats” are them fixed, lapped over each other along the length of the fence. This fencing is ideal where you have a sloping site, where a panel type fence may start at ground level at one end, but because of the slope, end up a distance above the ground at the other end. The slats can be set to follow any undulations in the ground. You can then leave the top following the same line, or cut it off to a “straight line” finish.
Costs for this type of fencing will start at about £35 / running metre and go up from there (supply and fit).
Garden walls:
This is about the most expensive type of “boundary treatment” generally used. You need to excavate along the full length for a foundation, pour concrete (which on a slope may need to be “stepped”, increasing the cost). You then have to build brickwork below ground (for which you can use “cheaper” bricks as they won’t generally be seen). As the brickwork approaches ground level you change the type of brick to the one you want to be seen, then above ground level you will need to install a dpc (to reduce the possibility of mould growing up the wall).
High, or long walls will normally have “piers” or pillars” every few metres to help to strengthen the overall structure.
Brick garden walls will normally be built “1 brick wide” (which actually means 2 bricks “used”. – The term “1 brick” refers to the length of the brick, not the width, but bricks are usually laid with the longest face visible to the front, so they are only “1/2 a brick deep”).
For each square meter of wall, with waste and piers you will probably use up to 150 bricks (don’t quote me on that – it depends on your wastage and the size and number of your piers). So if you have a garden wall of say 10m x 1.8m, plus say 0.5m underground, you could use around 3500 bricks. At £300 / 1000 to buy and about the same to lay, plus the excavation costs, concrete, mortar, dpc, and possibly a coping, you could be looking at a total of getting on for £3,000 for the cost of the wall, and more if you use a “coping stone” to top it off.
Gates / Railings:
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Gates and railings come in all sorts of shapes and sizes. A basic 3’ timber gate could be bought for as little as £25. But if you start to talk about wrought iron fencing and large “feature” remote controlled wrought iron gates you can easily start to pay from a couple of thousand pounds upwards.
It’s not difficult to get prices for these items. You can often buy them readymade, or you can get quotes for what you want, for local Gates and Railing manufacturers. Go and see some examples of their work before you place an order.
Summary:
You probably came to this section thinking that after you had read it, you might know exactly how much your new dream home is going to cost to build. If that is the case you are probably at least a bit disappointed!
As I mentioned at the start of this section, that is just not possible. There are literally thousands of variables on each project, and each piece of land gives up different problems which have to be overcome.
What this section has hopefully done, is to let you know that you need to look at each individual constituent of your project at an early stage, and do some research into what you want and how much YOUR CHOICES are going to cost.
Once you have some approximate pricing information on every section of your project, you can THEN start to put together an total cost. – But not before.
If your budget is tight, once you have all the figures, you need to make sure that your choices are not stretching your budget before you start, because you can guarantee one thing “Your price estimates will often be on the low side!” You will almost always either “just manage” to keep to budget or go above it.
If you are looking “tight” on your budget, re think BEFORE you start work, not after. Make some different choices in order to bring your costs to “within budget” before you start work, and also to allow a margin for cost increases as the project proceeds.
Don’t take too much notice of “easy options and short cuts” when working out your costs:
If you take too much notice of all the “short cuts” which you may have thought you could use to ascertain the costs for your new building project, you could land yourselves in trouble.
By all means use them to give yourself a very wide “Ball Park” figure at the outset, when you are first thinking about taking on a project, BUT, as soon as you start to get serious about it, you need to move on and start to do things properly.
If you follow all the proper processes for building up your costs, you will not only stand a better chance of staying within your budget, having a smoother running project, and making more profit. - You will also become aware of new ways to save money without risking quality.
Benefits of having accurate costs when applying for finance:
If you have taken time and effort to put together a professional and reasonably accurate lists of costs for the project, you will make you a far more “attractive package” to any of the Finance Providers who you may be going to, for help with funding for the project. – The more professional you appear, the more likely you are to get your application passed, and the more options may be opened to you as regards the “ranges” and “types” of mortgage products.
Some of these products will have financial benefits, so by presenting a “professional approach” to the lender, as well as being more in control of the project, you may save more money by also being able to access the best deals.
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