Hi Finallybought
Do you mind me asking whether you have a design already? Or that the builders you are speaking to saying you need to pay a deposit in order for…

That's great news! Shame about the savings but once your place is built and you're in you can scrimp and save for a bit to catch up.
We're using an architect…

We're dreading this process and that we may face same problems with our architect designed house. Still awaiting builder quotes to get final price but it's something we're very conscious…

Congrats, must be a wonderful feeling. One we hope to experience in the next few months (fingers crossed!)