Good heads up on the shows Whatshot, I'll check out those exibitors.
As always Sarnie, I bow down to your financial expertise
After looking at this over the last couple of days though (and I might be wrong, it has been known ) some lenders do seem to lend on the existing house/property AND provide the necessary funds for renovation. Albeit that the renovation funds seem to be released in stage payments (advance or arrears) once pre-decided elements are complete.
Buildstore are a bit pricey at 5-6% though. Ecology Building Society (energy efficient builds) are a better option by the looks of it, at 4.9% with a reduction of between 0.5% and 1.5% depending on the 'greeness' of the build when finished.
One of the main problems seems to be that they want to see planning consent (WARNING! WARNING! LISTED BUILDING!!! ) and architectural drawings in order to put a value on the completed house. The drawings are easy as I can do them myself but the planning will take a couple of months to get through and we won't be buying the house until I know I can do what i need to, so it's at our risk...