DBS Homes

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Self Build and save money

Denis Minns managing director of DBS Building Group tells us how.


Tax breaks for those seeking to build a home for themselves are to increase if the Government’s proposal to exclude Self Build projects from Community Infrastructure Levy are brought in.


We already see the benefit of a saving of Stamp Duty Land Tax by buying a plot and having a new home built rather than buying a completed home. The new home build is zero rated for VAT and any onward sale free of capital gains tax too. So this new measure is great news for those willing to take up the challenge of Self Build and save money.


But where do you start? Clearly a suitable plot needs to be found and often this involves buying a dilapidated house for demolition and reconstruction. A clear understanding of the likelihood of obtaining planning permission is needed and the pitfalls and timescales understood. Getting a grasp of building costs and fees is also essential and the right building contract and guarantees so one is not left high and dry.


Fortunately expertise is at hand through the Private Client services offered by leading local House Builders who will often be happy to discuss a project with you before you commit to it. Advice is given as to planning and related issues and standard designs can even be used to establish the principle of planning permission for a client and a benchmark to work up the design.


Private clients like to work closely with their chosen architect to determine the style of the house, which may be designed to look period or highly contemporary. Whichever style/design will incorporate the features that suit the needs and preferences of the client’s family. En-suite bathrooms, open plan living and entertaining spaces, walk in wardrobes and al fresco dining have all made an impression in recent private client builds.  


Choosing the fittings and finishes is the exciting part of personalising a brand new home. There is the opportunity to build in audio and networking cabling at a fraction of the cost of an existing home. Kitchens, sanitary ware, floor finishes doors and windows are all for you to choose and personalise the home. Your House builder will help in sourcing your choices and obtaining the very best value for these. He will have experience of energy saving measures that can be added to the new home to save money on running costs.


Limitations on the availability of finance for House Builders give private clients a great opportunity to source plots for their new home. Acting now may give the opportunity of seeing your tax free house price rise while the project is underway so that you experience the thrill of moving in to a brand new home at yesterdays price.  With all these savings, the tax man will be your first dinner guest.


DBS offers an exclusive Private Client Service for high-end buyers that includes advice on all matters involved in building a home of ones own.

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