It can be both exciting and daunting to build your own home. From financing and permits to the building process itself, there is a multitude of factors to consider and properly plan for.

Below we look at eight common problems people can run into when building a home. Use this list to ensure you have accounted for and considered the potential issues you might run into when building your dream home.


1.   Council/Planning Issues

You usually can’t start building until you have consent. It’s important to make your application thoroughly and early on to avoid delays. Your application needs to provide everyone involved with a solid foundation to make clear and well-informed decisions.

Even if the design of your home simple, drawing up the plans and specifications can be complex and will be used by many people including the designer, builder, electrician, plumber, council staff and more. To complete a proper application, you need to understand Building Code requirements, particularly relating to structure, external moisture and laundering facilities.


2.   Site Issues

Each building site is different, coming with its own unique challenges. Problems with ground conditions and utilities can be particularly difficult to deal with. Contaminated soil can have major economic, legal and planning implications for the landowner. It can limit land use or increase the overall cost of development. It is important to have the site investigated before building and to clean-up where necessary.


3.   Poor Construction or Design

Many people make the surprising mistake of prioritising aesthetics and style over practicality. But when designing and constructing the layout of your home, you need to look at it from multiple angles. Consider current and future lifestyles, moisture and other climate issues such as the direction of sun, space planning, and placement of different rooms.


4.   Disputes With Neighbours

When designing their homes, many people neglect to remember their neighbours and potential disputes. Neighbouring homes need to be taken into consideration during the design and planning process. A common example would be high structures that impede upon the view or privacy of neighbouring homes. Neighbours may also complain about noise during the construction process.


5.   Relying on the Builder Too Much

Remember that when you hire a builder, you are hiring someone in business to make a profit. Ultimately that means their interests will come before yours.

Ensuring you hire an ethical and reputable builder is important, but so is equipping yourself with knowledge of the process. After all, this is one of the biggest financial commitments you will make.


6.   Coordination Issues

Constructing a home involves the coordination of a myriad of contractors and subcontractors. It’s important to consider how everything fits together and to ensure it is clear. If there is an inadequate brief or definition of the requirements across the whole process, there is a much larger risk of confusion, problems, delays and disputes. The key to avoiding this is clear and detailed planning.


7.   Not Understanding Construction Loans

When it comes to building a home, financing can be tricky. Luckily there is a multitude of construction loans out there. Unfortunately, these can also be difficult to comprehend. There are many different options, each with their own specific requirements and risks. Speak to a specialist to ensure you’re well-informed.


8.   Poor Budgeting

Nothing is worse than realising you’ve gone over budget in the middle of the project. This, once again, comes down to stringent planning, receiving proper advice and ensuring you have the right construction loans in place from the very beginning. By understanding every cost that will be involved in the project, you can avoid any nasty surprises.

If you would like professional and independent advice on home loans and construction loans, get in touch. We’ll ensure you’re well informed and make recommendations on what best suits your budget and situation. We are based in Papamoa and can visit clients in Tauranga, Waikato, Mt. Maunganui and the wider Bay of Plenty.


If you’re building a new house and you’re shopping for home loan options, we can help. Call Craig on 027 667 2537 or contact WealthHealth online. Alternatively, we provide excellent information in our Frequently Asked Questions section.