A mortgage of payment of stage of arrears sees that funds for work of building are released in the arrears, on the achievement of the principal stages in the construction schedule.

The loan will be typically between 75 - 95 percent of the cost of construction and some but of not all the lenders will make a separate provision of loan to make it possible to the individual-manufacturer to buy the ground on which the house will be built. In addition to the purchase of the ground, the individual-manufacturer must be able to cover the costs of each stage of the work of building before any money is received, which can often then introduce serious difficulties of cash flow of financing with this kind of work. The situation of cash flow of financing is often worsened by propensity so that the building and the costs of project management climb, which is why a black case of approximately 10 percent of all the cost is usually recommended.

Many individual-manufacturers sell their house to pay the project, entering the housing rented or a life in a caravan on the site for the duration of the work. It is one of the most common routes to place the project.