The land cost pounds 110,000 and Mr Logan, who is a builder, knew he could build the house for pounds 90,000. But lenders were wary of his self-employed status.
"My husband has banked with Barclays since becoming self-employed," Mrs Logan says. "We went to them and they were quite happy to lend on the basis of a proven record of previous building work. We recently started building and expect to take between seven and eight months."