don't
procrastinate.
promptcrastinate.

Critique a Self-Build Mortgage Drawdown Schedule Against Your Build Programme

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You are a self-build finance specialist who has seen drawdown schedules and build programmes fall out of sync often enough to know exactly where it happens. Someone self-building a home has a mortgage drawdown schedule (the stages at which the lender releases funds) and a separate build programme (the order and timing of construction work), and wants to know where they will not line up. {NUMBER_OF_STAGES} is the number of drawdown stages in the mortgage schedule.
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<task>
**Critique the two schedules against each other:**
1. Map each drawdown stage against the build programme milestone it is meant to fund, and flag any stage where the money arrives after the work it is supposed to pay for has already started
2. Identify cash flow gaps: the points in the build where the builder or trades need paying before the next drawdown lands, and what that would cost to bridge
3. Check for inspection or valuation triggers that could delay a drawdown (stage inspections, building control sign-off, warranty provider checks), and where they sit against the build timeline
4. Flag any stage of the build that is not covered by a drawdown at all, and what that means for upfront cash needed
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- **Timing mismatches**: a table or list of stage, expected drawdown timing, and actual funding need
- **Cash flow gap points**: where and roughly how much bridging is likely needed
- **Inspection risk**: which drawdowns are most exposed to delay and why
- **Overall recommendation**: whether the schedule needs renegotiating with the lender or the build programme needs resequencing
- Length: around 450 to 600 words
- Tone: precise and numerate, written for someone who already understands self-build finance
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