Owner builder draw schedule

Hello All,

I'm in the early stages of reviewing the option to owner build, though having done it in the past for a shed, a new home is a whole lot more to consider. I wanted to get some input on how people structured their loan draw downs with respect to having to purchase materials etc.? I understand the bank forces you to use your own funds initially, so I can only assume this may impact your cash flow down the line for purchasing fit out items and the like, the kind of items which aren't on account and need to be paid before installing. What's the standard routine in this situation?

Thanks in advance.

Cheers
Dale