A lot of the issue is; they underestimate the build cost. So they end up with a decent chunk of equity (can be as high as 40% in some cases) but also a tonne of unservicable debt.
So you have two choices; struggle and be miserable for as long as you can before it all falls apart (but in your dream home) or sell up for financial safety and compromise on the location.
So you have two choices; struggle and be miserable for as long as you can before it all falls apart (but in your dream home) or sell up for financial safety and compromise on the location.