Just to extend from the OP, in this sort of case, is there any reason not to plow the $$ into the land rather than build it up in the bank? (Talking finance for home here, not rainy day/job loss backup and things like that) If ive paid 50k off a block before I try to build, will they look at that di...

Thanks for the advice all, is very much appreciated :)

Hi all :) Just to set it up, Im in my early 20's, low debt, at home with largely disposable income, in a stable job that ive had for 4 and a half years and it looks like in the next year ill be promoted. Im not quite in a position to be able to get the whole kit and kaboodle just yet, over the past ...