Anyone coming to self build for the first time will know that finding a plot can be the biggest hurdle in getting a project off the ground.
There have been many initiatives to support the process of finding land for developing on. First off, NaCSBA would advise anyone to sign up to their local self build register, which every council in England must host (but not in other countries of the UK).
You can find your register on our Right to Build Portal page, where you’ll also find some FAQs about what this will and won’t do for you. In addition, there is a template complaint letter if you need it, if your authority applies tests or charges which you feel are unfair.
You’ll find lots of other advice to get you started on our ‘How to Build’ support pages, including advice about finding land and plots.
But NaCSBA member ProAktive insurance has produced a handy infographic on different types of plots, which you may also find of use in understanding the issue of types of land.
We love their clear approach, but would point out that unlike greenfield (or fields) or brownfield, Greenbelt does in fact refer to an allocation of land by type and is specific planning term. This land has been specifically designated as a buffer to prevent cities and towns sprawling into the countryside. However, it is not all green and lovely, as it can include previously developed land too.
It’s highly emotive, but also raises many issues as most Greenbelt was established many years ago. However, local plans do often review Greenbelt, so the situation can change.
Have a look at Urbanist Architecture’s handy map of Greenbelt land to get an idea of what is around you. We can’t vouch it’s 100% accurate, but it is a useful starting point.
A NaCSBA member update
Richard Bacon, MP for South Norfolk, has published his Review of Custom and Self Build, which identifies a ‘missing market’ of owner commissioned homes, that could deliver between 30,000 to 40,000 self build homes a year.
The report was commissioned by Prime Minister Boris Johnson in April, as part of the Custom and Self Build Action Plan to look at the ways in which custom and self build could help provide the extra homes that government needs to help it reach its target or building 300,000 homes a year.
Richard Bacon was tasked with looking at the entire sector, including examples of how owner commissioned homes are built abroad in countries where the model is common.
One such example is Germany, where 55% of new homes are commissioned by their owners, with large show parks dotted across the country where you can go and experience houses built and designed by a range of companies (have a look at Musterhaus for a German example).
The result is a comprehensive overview of the sector, together with the barriers to growth. The report is respectable 114 pages and includes new economic analysis by Chamberlain Walker that identifies the sector as a ‘missing market’ in the UK.
This is due to a combination of reasons, such as planning and the dominance of the mainstream housebuilders, but is largely attributed to the lack of land available to build self or custom build homes on.
To remedy the findings, Bacon puts forwards six strong recommendations for creating a new system that would support activity.
Housing Secretary Rt Hon Robert Jenrick MP said: “As we build back better, we want to help more people build their own home, making it an option for thousands who’ve not considered it or ruled it out before. This will help get more people on to the housing ladder, ensure homes suit people’s needs whilst providing an important boost to small builders and businesses too.
“I warmly welcome Richard Bacon’s report which matches our ambitions for the custom and self-build sector. We will consider it fully and respond to the recommendations in due course.
“The launch of the Help to Build equity loan scheme will be a game-changer to the self and custom build market and will allow individuals to borrow with lower deposit mortgages which will go towards the design and build of their new home.”
Mr Bacon said: “At no other time in our history would new housing be thought of as a form of pollution, creating a monoculture to be resisted from villages to towns. The central problem is that most customers have almost no clout when it comes to buying a home.
“There is a “missing market”. Instead of customers who are able to choose for themselves what they actually want, which of course will vary hugely – just as people vary hugely in their tastes, preferences and lifestyle choices – in practice most customers have very little say. Indeed, for the very item on which customers spend the largest proportion of their incomes – their homes – they hold the least consumer power.”
“Those who have managed to step outside this prevailing framework and commission or build their own dwelling see a result that is to their own taste – greener, better built and more welcomed by local communities. And while thousands of people have succeeded in doing this – often with the help of NaCSBA members – it is still difficult to do, whereas it needs to become normal. Indeed, it should be no more difficult than ordering a new car.”
“There is a solution. It involves creating the conditions in which customers are treated as if they matter the most, rather than – for the most part – scarcely mattering at all. And this is what happens when people themselves commission the houses they would like to see. Homes England, whose remit includes making markets, has a key role to play in kickstarting this market including providing land and investment and helping to streamline planning – and my core recommendation is that a Custom & Self-Build Delivery Unit should be established with a mandate to deliver the required changes, staffed by skilled professionals with deep experience of delivering custom and self-build projects for customers across all tenures.”
Andrew Baddeley-Chappell, NaCSBA CEO said: “There is clearly something wrong with any market where customer choice is so notably absent, in particularly where such choice so demonstrably leads to better and greener homes. At the heart of the challenge is a planning system that appears hard wired to produce a product that most of us do not want, and which fails to reflect the diversity of our communities.
“Yet there is a proven viable solution. One that works everywhere else in the world, the question is not whether change is needed but how that change happens. To make that change we must ensure that sufficient land comes forward on which people can chose the home they want to live in. We must also open the eyes of the public to the possibilities that are out there. Both these aspects require the leadership of Government to address the failures in our current market.
“The recommendations in this report, which include the review of the Right to Build and the rapid launch of Help to Build have the capacity to positively transform our country’s relationship with the new homes market.
The Self and Custom Build Action Plan includes:
Government has announced a series of measures to boost the output of the custom and self build sector, including a Help to Build equity loan scheme.
The Self and Custom Build Action Plan includes:
Together, the Action Plan represents the biggest push to allow more people to create a home of their own that suits their needs, budget and tastes. NaCSBA believes that the plan will help custom and self build scale up so that it is seen as more of a mainstream choice for people’s housing needs.
Andrew Baddeley-Chappel, CEO of NaCSBA said, “The action plan that has been announced today represents the single most important announcement for the custom and self build sector since the establishment of NaCSBA over 10 years ago.
“England has for too long been out of line with the rest of the world with regards the lack of consumer choice in our new homes market. The consequences of this have become all too clear as has the need for change. This action plan should help ensure an environment exists in England that delivers more and better homes.
“Our focus now is ensuring that, as in every other country, the wider public see this as a natural approach to ensuring their new home meets their aspirations and needs. We also need to do more to build the business capacity and structures that underpin the choice that exists elsewhere. Finally we need councils to do their bit to ensure the plots that are needed are permissioned so that these homes can be built.”
For more detail about the individual elements of the Custom and Self Build Action Plan visit NaCSBA’s member’s website.
Image credit: A Potton home being erected
Anyone considering a community led homes project will be interested to know that the clock is ticking for proposals to be submitted for a 0.10acre site in Waltham Forest, London, with submissions due 11.1.21.
The land is available to deliver affordable housing in the London Borough of Waltham Forest, and the council is keen to hear from community led housing groups in the area who are looking for a site.
The land in question is a former garage site in a residential area of terraced housing, which is currently partly being used for parking. There is a range of site investigations already undertaken, that bidders will want to see.
You can also contact the council’s community led housing team.
Mayor of London Sadiq Khan has created a new website for selling small publicly-owned sites as a pilot for providing plots for the capital’s small- and medium-enterprise builders.
For small developers and groups, the Greater London Authority hosts a Small Sites webpage, with links to small, publicly-owned parcels of land that are suitable for delivering housing. The sites are available for developers, housing associations and communities.
An initiative of Mayor Sadiq Khan, the site was originally piloted in 2018 to market 10 small sites for London’s small- and medium-enterprise (SME) house builders. Since then, the site has grown offering SMEs and groups a route to publicly-owned land, making it a valuable resource.
There are currently 40 sites available through the Small Sites, Small Builders programme, details of which are available on the website or via the newsletter. Sites to look out for are Tower Hamlets which is release a series of small sites to self builders as part of its Affordable Self Build Programme.
As well as sites owned by local authorities, some land is owned by Transport for London. The site also includes resources for small builders, including links to development finance.
On 8 July Chancellor Rishi Sunak announced a temporary change to the Stamp Duty Land Tax in England as part of the mini-budget that included a range of measures for bolstering the economy as we enter the biggest financial crisis since the Second World War.
In total the measures are part of a £30billion economic stimulus package, and the idea behind the SDLT holiday is to bolster the construction industry. Sunak confirmed that construction contributes £39billion to the economy, providing three quarters of a million jobs, and that confidence is key to activity.
The Stamp Duty relief (for England) results in a temporary increase to the Nil Rate Band of Residential SDLT from £125,000 to £500,000. This temporary cut commences immediately, and run until the end of March.
Industry welcomed the news, especially as it will keep the first time buyer market flowing. Since the easing of lockdown there has been frenetic activity in the property market, in part due to pent up demand. However, this is also due to a lot of people reassessing their living space having been required to stay in for months, with more space and access to the outdoors high on the priority list for many.
Stamp Duty is a tax in need of reform, as in areas with high values, which are extensive these days, it is a charge that hampers activity, restricting both downsizers and upsizers. Government has a tool that you can work out the amount of Stamp Duty due.
SDLT is actually a benefit for most self builders, as the duty is only payable on the land and not on the finished home, so on the face of it this will not make a dramatic difference. However, where it will help is that it will encourage more activity in the market, and any fluidity is always good.
For self builders, Stamp Duty is due on each plot but the rate varies depending on whether your plot is effectively a virgin building plot or already part of the curtilage of a residential property, such as a the garden of a property.
NaCSBA CEO Andrew Baddeley-Chappell commented saying, “It is great news that Government is doing all it can to keep the housing market flowing, as a liquid sales market supports people in their ambitions to move or build from scratch.
“Self builders have always benefitted from a favourable relationship with Stamp Duty, but right now we welcome any measures that keeps builders building and homes coming to market.”
Photo credit: https://www.flickr.com/photos/communitiesuk/
New tech platform MyPlot has launched in the Self Build market, aiming to make the process of building as simple as possible by bringing together a range of services to assist novice builders on a single platform.
While self-build is on the ‘bucket list’ for many, it has yet to become a mainstream housing solution in the UK. For some would-be self builders, the process can appear complex especially for those with a full-time job and family obligations, or without any construction know-how.
While finding a plot remains a significant barrier for some, for others navigating the complex planning system, sourcing trusted contractors or securing finance for the project can be key challenges. For those without a property background these obstacles can feel insurmountable, and many will return to the established homes market, which leaves their self-build ambitions unfulfilled.
To help remedy this, MyPlot has been created to assist aspirational self-builders with the process. Users can find their ideal plot, and source contractors from the directory on the platform to interview and appoint the entire team to take their home from concept to reality.
From planning consultants, architects, building contractors and mortgage advisors, the experts listed, are all experienced in delivering self-build projects, and are carefully selected by MyPlot to give novice self-builders the confidence in their choices.
The company aims to grow the number of self-build homes in the UK from under 10% of new housing in the UK, which currently creates around 12,000 homes per year. In contrast, The Self Build Housing Market Report Analysis 2016-2020 revealed self-build rates in Austria, Belgium, Italy and Sweden are as high as 70 per cent.
MyPlot Director, Paul Smith, said: “In Europe, it’s much more straightforward to source a plot of land, and the planning system is less onerous – there’s also more support for those embarking on the process.
“With MyPlot, we’ve looked at the issues and offered a solution, filling the gaps and removing the complexity by providing a directory of self-build experts on a single platform.
“The government has been very supportive of self-build, particularly in recent years, introducing policies to oil the wheels and make it more attractive financially, but it’s often the practical considerations that put people off, such as financing the project and living arrangements during the build.
“What’s more, the assumption that self-build is something only wealthy people do has to be challenged – we hope that MyPlot helps to encourage people to at least be open to the idea, rather than dismiss it out-of-hand.”
Credit: Flo Pappert on Unsplash
Teignbridge District Council has worked with the Right to Build Task Force to produce a guide for any community looking to deliver self and custom build opportunities locally.
A Guide to Delivering Custom and Self Build Housing Developments in your Community supports anyone looking to grow opportunities locally by clearly setting out what custom and self build projects can deliver, together with guides for getting projects started.
Since the Localism Act 2017, Government has been supporting communities in having more say in what gets built locally, for example with the introduction of Neighbourhood Plans. These measures can be used by communities who want to see the choice and diversification that self build can offer, and this guide supports anyone looking to increasing self building locally.
Designed specifically for community and neighbourhood planning groups, the guide is designed to help residents, parish and town councils and community land trusts comprehend how communities can go about custom and self build housing and the role that the Neighbourhood Plan can play in bringing them forward.
The guide includes sections on benefits and risks associated with the route, case studies and routes that communities can pursue, such as Neighbourhood Plans, Neighbourhood Development Orders, Community Right to Build Orders and more. It also shares an example of a Neighbourhood Plan from Petersfield that sets out examples for how the concept can work in actuality.
Teignbridge District Council, a pioneer in supporting self builders, has also produced a second guide to support local builders and landowners, such as farmers, can benefit by bringing forward their land for self build, as opposed to open market development. How the private sector can get involved in delivering more custom build homes in Teignbridge demonstrates the viability and profitability of the route to market.
Sue Craythorne, Kenton Neighbourhood Planning group said: “I found the communities guide straightforward to follow, and the common questions section was particularly helpful. The guide offers lots of tips and sources of support. There is some technical language – but having said that, anyone contemplating going down this route will have to deal with all that and more!”
Leader of Teignbridge District Council and Right to Build Task Force Deputy Ambassador, Councillor Jeremy Christophers said: “These Teignbridge handbooks were written by custom and self build experts from the Right to Build Task Force. They show how our communities can take control and provide the homes they need for local people with custom and self build.
“Both guides highlight a new way of delivering local and affordable homes. Local community groups, parish and town councils, landowners and building firms can now really get to grips with these new ways of helping people unlock their own front door in much-needed local homes.”
Originally an initiative of the National Custom and Self Build Association, the Right to Build Task Force works with a range of stakeholders, such local authorities and community-led groups, to support them to create more opportunities to make custom and self build happen locally.
Find out more or get support from the Right to Build Task Force at its website, the Right to Build Toolkit.
The homes are designed around a scheme that’s car-free at its centre, with parking and garages arranged around the edge of the development, creating a pedestrian-friendly scheme interspersed with communal spaces and orchards. The organic approach to the design gives the development meandering paths and streets, with plenty of adjacent parking close by.
Village Makers, the company enabling the site, have created a series of serviced plots that come with Detailed Planning Permission (DPP), with an agreed build contract to provide a customisable home built to Passive House standard. Building to this standard ensures that the homes will be extremely energy efficient, helping to ensure low running costs.
Buyers have almost complete freedom internally to design their home’s layout and finishes, with six house types to choose from, ranging between 2-5 bedrooms.
Designed with the concept of community in mind, the smaller properties are expected to appeal to a mix of first-time buyers and downsizers. The scheme offers a vision of quiet village lifestyle combined with extremely energy efficient homes that are ideal for a future-proof retirement.
The custom build element also enables purchasers to choose from a palette of exterior materials to personalise their home, such as coloured render, brick or timber cladding. The planning consent for house types ensures that, regardless of these personal choices, the scheme will read as a single coherent design.
Three of the six house types available
Purchasers benefit from only paying stamp duty on the plot, as opposed to the finished house, which can generate savings of up to £15,000. Buyers have 18 months to complete the construction of their house from purchase, to ensure the scheme is built on in a timely manner.
The project has been enabled by a local farmer, Pete Thompson, in joint venture with Village Makers, in a great example of how custom build can connect local landowners with quality development that values placemaking.
Ryan Blair, Head of Operations at Custom Build Homes said, “Oakley Orchards is a great example of a residential development which has been designed with a complete focus on improving the lifestyle of all those who will live there.
“By adopting a custom build process, the developer has ensured residents will benefit from both a house that works for them and a well-considered new neighbourhood with community at is core. Custom Build Homes are excited to be working with Village Makers to promote Oakley Orchards and we look forward to supporting buyers throughout the sales process and beyond.”
Custom Build Homes are the sole selling agent for Oakley Orchards, with plots ranging from £55,000 to £310,000. Build costs vary depending on spec and the size of the build, but Village Makers anticipate build costs to range between £1,400 to £1,600 per sqm.
Find out more at Oakley Orchards website, or visit Custom Build Homes to find out more about purchasing a plot at this unique development.
As an estate agent, Custom Build Homes also has a range of other developments that it is marketing across the UK.
Newly released figures from HM Revenue & Customs for ‘VAT refunds for DIY housebuilders’ show that the self-build market was responsible for more than a third of all the new detached houses and bungalows completed in the UK for the year to March 31st 2011, and 10.2% of all new home completions.
Thanks to its percentage rule for serviced plots, Teignbridge District Council is permissioning a range of opportunities for Custom and Self-builders in the South West.
Teignbridge District Council has a percentage allocation rule for serviced-plots, and through this it’s permissioning a range of developments, bringing on more opportunities for anyone in the area wanting to create their own home.
The percentage rule is a policy that requires sites of 20 homes or more to provide at least 5% of housing plots to be set aside for Custom or Self-build, usually through a serviced-plot model.
When combined with a wider overview of demand for serviced plots, this percentage approach can provide a viable route to land for anyone interested in owner-commissioned homes.
The biggest recent project to receive Custom Build allowances is a proposed 1,350-home scheme on the outskirts of Exminster.
The scheme, covering over 220 acres of land between Alphington Village and Exminster, will include new housing, a surgery, community centre and school, as well as a minimum of 30 Custom Build plots.
The scheme is the largest housing project approved by Teignbridge District Council, and it has taken developer Bovis Homes almost 18 months to finalise the details with the planners.
Teignbridge District Council has also approved plans for a second housing development at Station Hill, Chudleigh (pictured).
This scheme will deliver 229-homes, built by Linden Homes, including a foot and cycleway, allotments and playground.
Of the 229 homes, 46 will be affordable housing and 11 will be custom build plot opportunities.
Although a long way from coming to market, with planning permssion granted at these locations anyone considering an owner-commissioned home in the South West should be keeping an eye on these sites as possible plot opportunities for the future.