Payment Schedule
At a glance: Our payment schedule mirrors real milestones so you can plan cashflow with your lender. Early invoices cover drawings/engineering and kit manufacture; later invoices cover delivery and erection to wind & weathertight. The exact % stages are set out below.
- Clear triggers: Each invoice is tied to a defined event (e.g., Draft BW, Final BW, procurement, manufacture, delivery, erection).
- Lender alignment: Designed to map to typical stage releases; if your lender only pays after inspection, consider Ecology or a small bridging buffer.
- Transparency: What each stage covers (and common exclusions) is explained here to avoid surprises.
Stage-by-stage breakdown
| Key Stage | Kit Supply / Supply & Erection (VAT applies to Supply Only) |
Planning & Building Warrant (VAT applies to all contracts) |
|---|---|---|
| Appraisal | Deposit (deducted from Kit Invoice 1) | Stage 1.1 Invoice |
| Planning Application | — | Stage 1.2 Invoice + Principal Designer Invoice |
| Initial Kit Estimate | — | — |
| Building Warrant (Draft) | Kit Invoice 1: 10% of kit estimate Deposit deducted here. |
Stage 2.1 Invoice |
| Building Warrant (Final) | Kit Invoice 2: 10% of kit estimate | Stage 2.2 Invoice + Principal Designer Invoice |
| Final Kit Estimate | — | — |
| Procurement | Kit Invoice 3: 20% of final kit price | — |
| Mobilisation | Kit Invoice 4: 40% of final kit price (60% if Supply Only package) |
— |
| Kit Delivery | Kit Invoice 5: 17.5% of final kit price | — |
| Kit Erected | Kit Invoice 6: Expenses + 2.5% of final kit price | — |
Finance tip (off-site manufacture): If your lender only releases funds after on-site inspections, consider the Ecology Building Society self-build mortgage. It’s tailored for modern off-site construction and can support earlier stage payments (e.g., kit manufacture) that some lenders won’t fund until later.
What each stage covers
Design & Approvals
- Stage 1.1 / 1.2 / 2.1 / 2.2 (P&BW): Planning/warrant design work, coordination and statutory submissions; Principal Designer duties as applicable.
- Kit Invoices 1–2 (10% + 10%): Draft and final Building Warrant drawing releases, structural coordination, SAP/energy calcs for the kit.
Procurement & Manufacture
- Kit Invoice 3 (20%): Procurement—materials call-off, factory slot allocation, window order lead-ins.
- Kit Invoice 4 (40% / 60% Supply-Only): Manufacture and mobilisation.
Logistics & On-site
- Kit Invoice 5 (17.5%): Kit delivery—ensure access, hardstanding, crane/telehandler paths are ready.
- Kit Invoice 6 (Expenses + 2.5%): Erection to wind & weathertight and close-out items tied to the kit scope.
Common Questions
How do the percentages on this page relate to the graphic?
They are the same. The table above reproduces the graphic in text so it’s easy to search and reference: 10% (Draft BW), 10% (Final BW), 20% (Procurement), 40% (Mobilisation) — or 60% if Supply-Only — 17.5% (Kit Delivery), then Expenses + 2.5% at Kit Erected. Planning & Warrant stages (1.1, 1.2, 2.1, 2.2) and Principal Designer invoices are listed as shown in the graphic.
My lender pays only after site inspections — how do I fund kit manufacture?
That’s common. We recommend speaking to your broker and considering the Ecology Building Society self-build mortgage, which supports off-site construction and can release funds earlier for factory manufacture. Alternatively, plan a small bridging buffer between our invoice triggers and the lender’s drawdown.
Which items are excluded from the kit schedule and paid via the builder?
Typically: groundworks & foundations, prelims/plant beyond kit erection scope, site accommodation, kitchens/bathrooms, landscaping, statutory fees (planning, BW/BR), and third-party surveys (GI/topo/percolation). Your builder’s contract and QS/CA documentation set these out.
What happens if planning or Building Warrant takes longer?
Later triggers move with the programme — we don’t push manufacture until prerequisites are met. Your CA will re-sequence to avoid premature orders and unnecessary costs.
Can I pause between stages?
Yes, but pausing near supplier orders or factory slots may incur re-booking fees and new lead-times. Confirm pauses in writing with your PM/CA.
How do builder valuations and retention relate to the kit schedule?
They’re separate. The builder is paid via monthly valuations certified by your CA (often with retention). The kit follows milestone invoices. Plan cashflow for both.
Are HebHomes SIP/CPS kits mortgageable and warrantied?
Yes — SIP and CPS homes are mortgageable when paired with an accepted 10-year structural warranty. Our CPS is BOPAS-accredited, which many lenders recognise for modern methods of construction.
What if bad weather or site readiness delays delivery/erection?
We’ll coordinate a revised programme. Invoices tied to the delayed trigger move accordingly; additional prelims or plant standing time are handled under the main build contract terms.
What are typical payment methods and VAT treatment?
Invoices are settled by bank transfer. VAT applies per UK/IE rules (note: VAT applies to Supply-Only kits; planning/warrant services are VATable on all contracts). Your CA/accountant can advise on applicable reclaim routes.
Can I see an example cashflow timeline that includes lender drawdowns?
Yes — ask your PM/CA. We can share a sample overlaying approvals, kit triggers, estimated lender inspections and contractor valuations to help you plan buffers.
How much is the deposit and when is it due? ›
Deposits are staged to secure design, manufacture and delivery slots. Exact amounts and timings are confirmed in your quotation.
See: Costs & Budgeting
See: Costs & Budgeting
Why do prices differ in the Republic of Ireland? ›
Currency, VAT, haulage and compliance can vary. We set this out clearly in your ROI quotation.
Read more: Where We Build
Read more: Where We Build
Action Points
- Speak to Ecology or your broker about funding off-site kit manufacture if your lender pays post-inspection.
- Lock your approvals path (Planning & BW/BR) to avoid procurement delays.
- Coordinate site readiness (access, hardstanding, cranage/telehandler paths) ahead of Kit Delivery & Erection.
