Self-build mortgages release money in stages. Builders want paying now. The
gap between those two facts is where projects stall.
YOUR FINANCE
• Mortgage facility and your own funds
• Stage payment type — arrears (paid after the stage) or advance
THE DRAWDOWN SCHEDULE
All eight build stages. For each: planned drawdown and date, actual received
and date, cumulative drawn, and remaining facility. So you always know what's
left in the facility.
THE 18-MONTH CASHFLOW
Month by month: opening balance, drawdown in, own funds in, payments out,
closing balance — and a Gap? flag when you're about to run dry.
THE DASHBOARD
Facility, drawn to date, remaining facility, own funds, and your TIGHTEST
CASH POINT — the month where it gets closest to the bone.
If you're on arrears drawdown, you fund each stage yourself and get paid back
after. That is the single most misunderstood thing about self-build finance,
and this sheet shows you exactly how much of your own money it demands, and
when.
Excel (.xlsx). Works in Microsoft Excel and Google Sheets. Instant download.
Educational tool only. Not financial or mortgage advice. Correct as of
July 2026.
Self-build mortgages release money in stages. Builders want paying now. The
gap between those two facts is where projects stall.
YOUR FINANCE
• Mortgage facility and your own funds
• Stage payment type — arrears (paid after the stage) or advance
THE DRAWDOWN SCHEDULE
All eight build stages. For each: planned drawdown and date, actual received
and date, cumulative drawn, and remaining facility. So you always know what's
left in the facility.
THE 18-MONTH CASHFLOW
Month by month: opening balance, drawdown in, own funds in, payments out,
closing balance — and a Gap? flag when you're about to run dry.
THE DASHBOARD
Facility, drawn to date, remaining facility, own funds, and your TIGHTEST
CASH POINT — the month where it gets closest to the bone.
If you're on arrears drawdown, you fund each stage yourself and get paid back
after. That is the single most misunderstood thing about self-build finance,
and this sheet shows you exactly how much of your own money it demands, and
when.
Excel (.xlsx). Works in Microsoft Excel and Google Sheets. Instant download.
Educational tool only. Not financial or mortgage advice. Correct as of
July 2026.
