Thanks gasbanni. Thats what I am discovering.. The reason for the initial question is that other newbuilds built by the same builder in the same area have finished skirting underneath the kitchen and no massive sticking out hole penetrations in the ground for all sorts to climb up.. never mind thermal efficiency.
Its alright for those in the trade who understand "dont touch newbuild with a 10ft barge pole" but its kinda alarming to me that any of you find this level of workmanship "normal" or acceptable in any property.
Some context - this is the rest of the house - poor workmanship throughout.
http://www.mybellwayhome.co.uk/