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So the cash I have up front is £110k+£20k (not enough for the full double side, rear and loft in one go). I’d need to save for a few years to raise enough for the next phase. so phase 1 - 2022 Phase 2 approx 2025

Hi there, this is my first post. I'm seeking some advice on how I go about planning my home extension. I am buying a 3 bed semi which is need of a complete gut out. I have an initial budget of approx £110k +£20k contingency I had a builder suggest phasing the refurb+build, so I had a think and...