Extending and renovating an established Georgian home requires more than adding extra rooms. The new construction must integrate with the original building, solve the limitations of its existing layout and respect the character that makes the property distinctive.
Oaklea Farm in Longton, near Preston, demonstrates what can be achieved when a substantial two-storey extension is combined with a carefully planned internal renovation.
Delivered by ARN Projects, the project transformed an impractical arrangement into a spacious contemporary family home. Alongside its striking finished appearance, the development involved unforeseen foundation work, replacement floors, underfloor heating, new bedroom accommodation and important decisions about roofing materials and natural light.
The completed project has also produced an exceptional customer testimonial, with the homeowner praising the communication, empathy and collaborative approach shown throughout the build.
The homeowners purchased Oaklea Farm in 2019. Although the traditional property possessed considerable character, its existing arrangement did not provide the kitchen and living environment they wanted for their family.
An impractical conservatory occupied part of the space where a more substantial and better-integrated addition was needed. Rather than making minor changes to the existing arrangement, the homeowners decided to undertake a comprehensive extension and remodel.
The brief included:
This was not simply an exercise in increasing floor area. The purpose was to make the entire house function more successfully.
One of the central challenges when extending a traditional property is ensuring that the addition does not appear disconnected from the original house.
The proportions, roof design, window positions and external materials all influence whether old and new elements work together. Internally, the transition must also feel natural rather than giving the impression of two separate buildings joined through a doorway.
Architectural design for Oaklea Farm was provided by RPS Design Group, with ARN Projects responsible for delivering the construction.
The resulting two-storey extension respects the scale and character of the Georgian property while providing the space expected from a modern family home. Its success comes from treating the project as a complete renovation rather than viewing the extension as an isolated addition.
Renovating an older property can reveal conditions that were impossible to confirm fully before work began.
At Oaklea Farm, building-control requirements meant piling was necessary. Further foundations were also required beneath parts of the existing house, creating an unforeseen construction challenge.
Discoveries of this nature can affect the programme, budget and proposed specification. The contractor must explain the implications clearly, assess the available options and coordinate an appropriate technical response.
Rather than treating the additional work purely as a setback, the project team used it as an opportunity to improve other elements of the property. Existing floors were removed and replaced with properly constructed solid floors, allowing a modern underfloor heating system to be introduced throughout both storeys.
This illustrates an important principle in renovation work: once part of an existing building has been opened up, there may be an opportunity to improve its long-term performance instead of simply reinstating what was there previously.
Removing the original radiators and introducing underfloor heating helped create a cleaner and more flexible internal arrangement.
Traditional wall-mounted radiators influence where furniture can be positioned and may interrupt the appearance of carefully designed rooms. Underfloor heating distributes warmth across the floor surface while allowing walls and living areas to remain visually uncluttered.
Installing the system throughout the ground and upper floors required coordination between the replacement floor construction, insulation, heating design, controls and final floor finishes.
The improvement was therefore not a standalone addition. It formed part of a wider building-services strategy made possible by the more extensive renovation work.
Material selection is particularly important when extending a Georgian or traditionally styled property. The chosen roofing material affects appearance, durability, structural loading and overall project cost.
During the Oaklea Farm project, the homeowners considered several alternatives, including original Welsh slate, Spanish slate and contemporary roof tiles.
Each option presented different advantages, limitations and cost implications. According to the homeowner, Arron Dewhurst of ARN Projects explained the available alternatives and helped the clients understand the relevant pros and cons.
This consultative approach enabled the homeowners to make an informed decision without feeling pressured towards a particular specification.
Good cost management does not always mean choosing the least expensive material. It means understanding what each option offers and deciding where expenditure will create the greatest practical or visual benefit.
The remodel created a generous open-plan kitchen, dining and living area designed to become the new heart of Oaklea Farm.
Large open-plan extensions can occasionally create darker internal areas, particularly where the new construction extends beyond the original rear wall of the house. Although conventional windows and glazed doors introduce light from the sides, it may not reach the centre of a deep floor plan.
Roof lanterns were incorporated to bring daylight into the principal living area from above. In the video, the homeowner identifies these as a suggestion made by Arron.
The lanterns contribute to what the homeowner describes as a strong sense of light, air, flow and space. They also add architectural interest and help distinguish different parts of the open-plan room without relying on solid internal divisions.
The most effective residential renovations respond to the everyday needs of the people occupying the property.
At Oaklea Farm, the new accommodation includes a dedicated utility room and boot room. These practical spaces are particularly useful within a rural home, where outdoor footwear, clothing, laundry and equipment need to be managed without disrupting the principal kitchen and living areas.
The extension and remodel also created a teenage room, an additional bedroom and four en-suite bedrooms. These improvements provide greater privacy and give the property the flexibility to accommodate family members and guests.
Creating several en-suite bathrooms requires detailed coordination of water supplies, drainage routes, ventilation, electrical installations and internal finishes. Considering these services during the main design and structural stages allows them to be incorporated more efficiently.
Connecting the House with Its Setting
Oaklea Farm’s surroundings are an important part of the property’s identity. The renovation therefore extended beyond the walls of the house.
Landscaping was used to connect the completed building with its rural setting and frame views across the grounds and stables. The positioning of doors, glazing, patios and sightlines helps the interior relate more naturally to the exterior.
This creates a home that feels closely connected with its landscape while retaining the comfort and functionality of a modern residential property.
Considering landscaping as part of the wider construction programme also helps avoid an abrupt visual divide between a newly renovated house and its immediate surroundings.
Oaklea Farm illustrates that major renovation projects depend on more than architectural drawings and skilled trades.
Unforeseen conditions must be resolved. Material choices need to be assessed. Budgets and technical requirements must be balanced, and homeowners require clear explanations before committing to significant decisions.
The client describes the decision-making process as collaborative, organic and unpressured. He particularly praises Arron’s willingness to listen to concerns, recognise the pressures associated with a major project and find practical alternatives.
Homeowners considering a similarly ambitious extension or renovation can learn more about ARN Projects’ team of experienced builders.
Oaklea Farm has retained the presence and character of an established Georgian property while gaining the space, light and practicality required for contemporary family life.
The two-storey extension and internal renovation delivered a new open-plan living environment, additional bedrooms, four en-suite bathrooms, practical utility spaces and improved connections with the surrounding landscape.
Behind those visible results were substantial technical decisions. Piling, additional foundations, replacement floors, underfloor heating, roofing choices and the integration of roof lanterns all contributed to the completed home.
The project demonstrates how an experienced building contractor can respond to unforeseen conditions while keeping the client involved in the decisions that shape the final result.
Its success is visible in the finished property—but it is confirmed most powerfully by a homeowner who recommends ARN Projects without hesitation.
The completed construction provides visual evidence of the project’s quality, but the homeowner’s video review reveals something equally important: how the client felt about the experience.
He speaks openly about the fears, anxieties and frustrations that can arise during a complex renovation. He then explains how Arron listened, empathised, offered reassurance and worked to find the best available solution.
His final verdict is unequivocal:
“I would recommend ARN without hesitation.”
The homeowner also praises Arron for being prepared to “go the extra mile” when looking for solutions and alternatives.
For any builder, this is a fantastic review to receive. It does not merely compliment the finished rooms or construction quality. It endorses the communication, care and problem-solving that supported the client throughout the project.
Those qualities are especially important when working on an older property where unforeseen structural requirements can emerge after construction begins.
Watch the complete Oaklea Farm customer testimonial to hear the homeowner explain the project and his experience in his own words.
NaCSBA member SIP Build UK has scooped a prestigious award in the brand new Making Better Homes Awards, run by national builders’ merchant Jewson. The awards recognise those creating energy-efficient, safe, and comfortable homes across the UK. SIP Build UK’s commitment to sustainability ensured SIP Build UK won in the Best Building Fabric category for its self build, Munoz House.
For the winning project SIP Build UK was commissioned to create a highly insulated and airtight envelope using Structural Insulated Panels (SIPs) for a self build in Colchester. The panels minimise heat transfer and energy loss through walls, providing excellent thermal performance.
The judging panel was impressed by the use of modern methods and fabric-first approach. Judge Matthew Handley said: “This high energy efficiency build is a great example of how SIPs can add value. The fabric-first method and renewables have delivered a wonderful living space.â€
Ian Still, SIP Build UK National Sales Director said: “It’s fantastic to win Jewson’s Building Better Homes Award. Working closely with the homeowner from the start helped ensure this dream Passive Haus Certified SIP home was a success. Seeing the family now enjoying the benefits of their thermally efficient SIPs home makes this project even more special.
“We are immensely proud of this project, as it shows the perfect balance between energy efficiency and aesthetics. We entered the awards to showcase our dedication to quality, efficiency and sustainability in construction. This award is not just an achievement, but a responsibility to keep providing excellent sustainable solutions.â€
SIP Build UK is a highly accredited award-winning SIP company that designs, manufactures & installs SIP superstructures. We work nationwide to exact standards and take great pride in delivering our customers fabulous homes and buildings.
Words: Duncan Hayes
Church Grove, a Community Land Trust project in Lewisham, London, has welcomed its first families, who were involved in designing and building their own homes.
Co-ordinated by community housing group Rural Urban Synthesis Society (RUSS), the project has taken 15 years to complete from concept, a testament to the resilience and commitment of its residents.
The 250-year lease for the land was signed in early 2020.
The project has seen future residents and local community volunteers work to plan, design and self build elements of the 36 home development in London, including its volunteer-built community hub building.
Architects Shepherd Epstein Hunter, with contributions from Architype and Jon Broome Associates, worked with the future residents to co-design the development.
Organised and overseen by RUSS, the Church Grove scheme has seen a range of local volunteers driving all stages of the process. As such, the residents were involved with forming a group, acquiring land, raising funds, supervising architects and contractors, getting planning permission, and building and landscaping together as a community.
Most residents took on some of the work on their own apartments, with a choice of self build or self-finish. They were also involved, along with other volunteers, on communal elements, such as the community hub (see images).
Because community led housing projects tend to have a long timeline, four of the original group of would-be residents left the project as their circumstances changed during the timeline.
Being a Community Land Trust ensures Church Grove’s homes are affordable, with a range of sizes and tenures that means the homes are available for everyone, including lower-income families.
Residents also had input into how their housing would be managed, and remain involved with regular meetings in the on-site community hub.
The Chair of RUSS, Anurag Verma, said: “This has been a momentous and challenging project, but this community-led organisation has succeeded in creating a sustainable neighbourhood and unique housing model. This shows what can be achieved when ordinary people work together with a shared vision and determination.
“The project has been led by the community from the outset through the design, planning and building processes. The result is 36 homes with four tenure types, fully tailored to the needs of the residents. We hope that other community groups will be inspired to learn from this model and create their own housing to meet their needs.”
As the capital’s biggest community-led self-build housing project, the block has been supported by organisations, including the Greater London Assembly, the London Borough of Lewisham, the Cooperative Development Society, Triodos Bank, and Big Issue Invest. A new public riverside garden and play area is being built as part of the project, thanks to a crowdfunding campaign and a grant from the Veolia Environmental Trust.
RUSS was set up in response to the lack of suitable affordable housing in London. It continues to work to create new neighbourhoods for the local community with an emphasis on local volunteering. It has been awarded permanent planning permission for its Community Hub, which was used a centre for education and training for the self builders and other community volunteers involved on the site.
You can donate to support RUSS’ ongoing work
Image credtis: Andrea Vladova, Ellie Koepke
Planning permission has been granted for Hugr Homes’ Wellbank Park, the first ‘custom build’ housing development in the Lake District National Park.
Wellbank Park is being developed by NaCSBA member Hugr Homes, in partnership with the landowner FN Solutions. The first phase of 18 plots is already underway, with several houses nearing completion and some plots still on the market.
The homes in this first phase are being delivered under a Section 73 Amendment to the wider site permission, and the new planning permission creates a site of 50 custom build plots. The original 18 plots are now included in this permission to make the process easier for these ongoing builds.
Like Graven Hill in Bicester, Wellbank Park is on a former Ministry of Defence site, located near Bootle in West Cumbria. Buyers can purchase a plot and go on to work with Hugr Homes, as the custom build enabler, to build their own dream homes, designed to fit their personal lifestyles. Buyers choose from a range of starter housetypes to customise, or work with Hugr to develop their own design. As long as this fits the design code there is no need to apply for further planning permission.
Houses are built to the buyers’ requirements with the timber frames manufactured by specialist and NaCSBA member Fleming Homes. The first custom builds currently on site demonstrate that the design guide process works, giving buyers the flexibility they want while ensuring a cohesive design for the overall development.
Set in 12 acres which includes two lakes, the development of detached houses and bungalows will benefit from a new community hub, including a café, pool, co-working space, meeting rooms, community exhibition space and gym facilities. This site will also include eight holiday homes for people with disabilities.
On multi-plot sites like Wellbank Park, owner-commissioned homes can be delivered as self build or custom build. For the self build model this usually involves the purchaser buying a serviced plot, and from this point they can design and commission their own home – working within the parameters of a design code and plot passport.
Custom build will normally involve an enabling company working with the plot buyers, and once designs and specification is agreed this company then builds out the home, which is Hugr Homes’ model for Wellbank Park.
Modular building gets referenced a lot by government as a solution for building more housing more effectively, but how does that relate to self build?
NaCSBA member MMC Build is a team that offers professionals services, such as project managing, and works exclusively with modular projects. As a specialist, MMC Build is ideally placed to share the benefits of the model, helping you decide if it is the right choice for your self build.
Also called prefabricated homes, modular builds are factory fabricated in sections, with the system quickly constructing the house’s structure once on site.
At this stage the homes are erected to weathertight stage, and in most cases this shell is then handed over to the self builder to commission the remaining trades. However, some companies will also take the house to completion, so it’s important to ascertain at what point the home is handed over to you when researching firms.
Working in the modular field means that MMCBuild is able to relate to the wider benefits of building with MMC, and put that into the context of self build. These include:
Building in a factory is an efficient process in terms of materials (usage and purchase), labour and streamlining, and this can make these homes cost effective. However, while standardised design makes this more affordable in a speculative market (ie regular housing at scale), for one-off homes this saving can be eroded. So discuss cost implications of complicated designs with your modular provider early on. While a single modular home might not be as cheap as a whole estate of modular homes, it often stands up very well when compared to other self build models.
Modular homes are quicker to build than traditional homes, and are especially quick on site due to the factory lead-time. This means there is less disruption locally due to a prolonged build, and less vulnerability to bad weather, which is ideal for self builders. On-site assembly is completed in weeks rather than months, but short on-site times need to be weighed up with lead times for busy companies.
Most people tend to think that MMC homes must be identical for the method to work, but modular homes have a wide range of design options. Modules are customised and arranged in various configurations to create unique floor plans. They can also be clad in a variety of materials to give different aesthetics, including brick or brick slips to give the appearance of a traditional ‘brick-and-block’ build. However, as with all self build, simple designs are cheaper to build.
Modular homes are specifically designed to be energy efficient. They use energy-efficient materials and components, and the factory fabrication ensures they are airtight and keeps waste to an absolute minimum.
Again, the controlled factory environment ensures precision and a carefully-monitored process.
Overall, the modular construction allows for speed and efficiency, the reason why government likes MMC so much, as it holds great scope for getting more homes built quickly. In the self build arena there are many companies operating as modular providers, and MMC Build’s Rhys-Evans Edet has the following advice for self builders:
“Do your research to find a reputable modular home builder with experience of the UK market. For example, Dan-Wood House sells 1,000s of modular homes a year across Europe, and delivers many of these in the UK.
“Experience of building in the UK means that the company will be familiar with working to UK building regulations and standards, as it’s ultimately your responsibility as a self builder to ensure your contractors are building to the correct standards.
“Also, check that professionals, such as consultants and follow on trades, are familiar with the build method. Most modular companies will be able to share contacts that are trusted for the build out of the home.”
Rowallan Castle Estate (image) in Scotland includes modular custom build homes, as well as other plot opportunities. MMC Build is working with the enabling company to provide project management and health and safety for the site.
A rare opportunity has come to market for anyone wishing to build in the village of Coalpit Heath, South Gloucestershire with a custom build site of 11 reasonably-priced plots.
The plots are on the rural edge of the new Barratt’s development at Blackberry Park, a 215 home site with public open space and community allotments, close to Bristol. The site comes with Outline Planning Permission (Ref:P19/2083/RVC) and approval of reserved matters (Ref:PT18/6313/RM & P19/18441/RM).
South Gloucestershire Council has worked hard to create supportive policy to enable self build opportunities to emerge. The plots are the result of its ‘percentage policy’, which requires developers to sell at least 5% of plots on residential and mixed-use sites to self and custom builders (applied on sites over 100 homes).
Such plots represent the opportunity for more people to access custom and self build, but one of the challenges is to alert to alert would be builders to these opportunities.
While many aspiring self builders want a detached plot in the countryside, these come at a premium that means they are not accessible by many. Evidence shows that self builders building adjacent to each other, like at Graven Hill or on Grand Designs The Streets, often have a well-developed sense of community from going through similar experiences.
The serviced plots are for a range of house sizes, from 2- to 4-bedroom, and buyers will need to submit a full planning application for their home. This must meet the parameters for the site set out in the Design Code, which has been approved by South Gloucestershire Council.
The Design Code (available on request from David James, below) allows buyers options to customise certain elements of the exterior of their home, with greater freedoms internally. This works in conjunction with a Plot Passport for each individual plot .
This will include the appearance, landscaping, layout, and scale of the property, to ensure that the individual self build homes work in the concept of the wider development.
Plot prices: three of the plots are under offer (or sold), with the 2-bed and 3/4-bed plots available, with prices varying from £120,000 to £140,000.
Image: concept house designs, Blackberry Park Design Code.
Plot sales are now live on an exclusive five-plot custom build development in Hailsham, East Sussex, for homes between 3-5 bedrooms.
The Paddock is the result of a partnership of Custom Build Homes and development partner and NaCSBA member Landström, with planning permission in place for five substantial properties of up to 252-396m² on plots up to 1/3 acre. The plots start from £230,000, and the homes, which have enough space for garages, are ranged around a shared central courtyard that provides each individual access.
Plots come with flexibility in terms of house design, size and specification, and purchasers will be able to design and create their home with Chartered Architect and Homebuilding & Renovating Magazine expert, Head of Architecture Allan Corfield, who is also a NaCSBA member. A design code and Plot Passports are in place to frame what can be created, as part of the planning permission from Wealden District Council.
This process includes a collaborative design process that will explore how purchasers want to live, culminating in a digital design with a fixed cost, that includes planning and technical design.
Tom Connor, CEO & Founder of Custom Build Homes said, “We’re excited to launch the development to market. The Paddock offers people in East Sussex the unique opportunity of creating a new home exactly as they wish it to be, while being supported by the experts at Custom Build Homes.
“I look forward to seeing the unique designs homebuyers create and the development becoming
an exemplar for future sites.”
Land promoter Leaper Land has resubmitted a planning application to Wokingham Borough Council for its Hurst site of 33 custom build homes. It is calling on anyone interested in building locally to offer their support for the initiative, which is providing valuable opportunities for anyone wanting input into their home.
How you can support Leaper Land’s Hurst application:
Leaper Land submitted the original planning application for the site at Broadcommon Road, late in 2022, but this was refused, largely on the basis of unsustainable development in the countryside, but also sited insufficient affordable homes.
As part of the new outline application Leaper Land has increased the amount of affordable homes from 40% (as required by Wokingham’s local plan) to 50%.
It has also proposed that 25% of the affordable homes will be discount open market custom and self build – meaning that people who might not otherwise be able to afford to build can access the plots. In addition, it is also looking into how the initial residents for other affordable home types can have a say in how their home is finished.
Other changes have involved replacing a proposed block of flats with more typical terraces and semi-detached homes, all of which overlook an enlarged public open space.
Harpenden in Hertfordshire could benefit from a new site for custom and self builders for up to 30 homes, on a 6.7hectare site at Cross Lane Fields. The project is the vision of Lansdown, a NaCSBA member specialising in strategic land promotion and development.
In conjunction with Imagine Places, Lansdown is holding a public engagement event on the 10 September, to give neighbours, would be builders and other stakeholders a say in shaping the development from a design perspective. This will be followed by a post-event online debrief for interested parties.
Those looking to build in the area are also encouraged to complete the Cross Lane Fields survey, to help Lansdown gauge local appetite for the model.
Cross Lane Fields is a piece of visually contained Green Belt land that Lansdown will seek outline planning permission for to create a pioneering development of self and custom build homes. These will be exemplars in energy standards, design and sustainability, bringing much needed homes to the area.
Currently the model involves self builders designing their homes, in line with design codes that create a set of ‘rules’ for the site, to support a cohesive scheme. The planned homes will include a mix of sizes, with homes either self built or self-commissioned to Passivhaus Standards. It is hoped that 40% will be affordable homes with a discount of 30% on the land at point of purchase.
In addition, parts of scheme will be rewilded, with a new orchard and pond to create habitats and mitigate damage to wildlife and from flooding.
Senior Planner at Lansdown Ethan Davies said, “The Cross Lane Fields scheme will provide people with a unique opportunity to build exceptionally fine, energy efficient homes surrounded by beautiful and biodiverse open spaces within a community of like-minded self-buildersâ€.
Interested in building at Cross Lane Fields? Fill out the survey
Image credit: ImaginePlaces
We’re following the story of Anne, mother of six boys who is building a home for her family and one for the grandparents on the same site. They used the Right to Build to help them escape the private rental sector, acting as pioneers for the legislation, which even the council was unsure about at the time.
A quick recap:Â
The church had made us 2 offers: a chance to buy the combined site in an off-market sale on Charity Commission rules and an offer to explore the community idea on another church site. (Blog 10).
A month after our meeting with the council, they came back to say that the council site had fallen out of the picture. Enfield was simply not in a position to sell their land quickly. Their Disposals Manager had lost his assistant and was busy with larger projects.
So the Diocese’s plan was to put their site into auction in the Autumn, but they would allow a small window of opportunity for an off-market sale at 10% above the Savill’s valuation. However at this point there were still uncertainties including interest from a housing association and we would have to wait the outcome.
It was a low point for us. The family we had partnered with (see blog 6) were still interested in building with us but the uncertainties made them nervous. It was difficult to keep them encouraged whilst we ourselves felt unsure. But we kept up communications and after a couple of months I received a call, and the Diocese were offering us the chance to buy their plot ‘unconditionally’.
I was elated! What could I say? ‘Thank you.’ In my naivety I thought ‘unconditionally’ meant no more obstacles – the process would now be straightforward. Peter, was pleased, but explained that ‘unconditionally’ meant the sale could not be ‘subject to planning’ or any other condition we might wish to apply.
It is common to enter an agreement to purchase land ‘subject to planning’. A timeframe would be agreed as part of the agreement where the buyer/developer makes an off-market offer to buy the site, funds the professional fees at their risk and puts in for planning permission but does not have to raise the finance for the purchase at a time when it is not clear what the development will be.
‘Unconditionality’ was a major problem for us. We had hoped to agree a purchase subject to our getting planning permission for two houses. Without planning permission neither we nor our partner family could get a mortgage and without funds we could not buy the plot. We had meetings with the Diocese Development Manager but they now wanted a quick sale and were not prepared to wait.
I tried various self-build mortgage providers but their answers were all the same. No one would provide funds to purchase the land without planning permission.
One solution came at the Autumn Homebuilding & Renovating show. An exhibitor Nick at ‘Marlborough House Finance’ gave some encouragement. He said: “There is always a way.â€
This turned out be ‘bridging finance’, which might tide us over until we could get planning permission. Nick advised us to assume that this would probably be for a period of six months, which would give us a window of opportunity.
Theoretically, planning decisions are supposed to take eight weeks but there are usually delays and then some time was needed to raise the main line funding. It was an option and it seemed our only option but it was not an attractive one.
Bridging is risky and expensive. With a retained interest (where interest charges for the full term of the loan is deducted from the loan facility) of 0.95% per month, 2% completion fee, 1% exit fee, legal fees and a modest fee for the broker – we were looking at finance costs of about £38k for a period of 6 months to cover the cost of the land purchase (over above such deposit/capital from us and our partner family).
Between us we had 10% in hand which is a minimum. Even bridge funders want some headroom between what they are lending and what the land is worth in the event that the plan fell through, and a sale had to be made to pay them back. And as with all borrowing the rates become more expensive the more you need it (ie. the higher the ‘loan to value’).
Our other dilemma was should we go ahead and put in for a planning permission? Peter had produced some designs to establish what might be possible.
Given the funding situation there was no guarantee that we would get the land and the fee for a planning application for two houses was £1k. £1k seems very little with hindsight, when you are paying for building materials costing £1,000s, but when it is coming out of the monthly groceries budget with no guarantee of success or return it seemed such a big dilemma.
The site was to go to auction in November, less than two months away. We had friends in property development who warned that submitting a planning permission was a waste of money. It was work, effort and cost on our part but would add value to the land which someone else might buy and gain the benefit of.
So it was a gamble. Peter was also concerned that if we got consent before the purchase date then the ‘market valuation’ would go up and we would have to pay more. On the other hand without it we would not be able to get a self-build mortgage and we needed to do this as quickly as possible to release ourselves from an expensive bridging loan.
It was easy for professional advisers to talk airily of ‘take it or leave it’ but we were heavily invested – we knew it could take another year or two to find and start over with another site and it was an opportunity to have a home.
We didn’t want to see the opportunity pass by without doing everything we could. Our partners were not interested in taking this risk so we would have to apply and pay for planning alone.
Events now moved quickly. On 26th October the plot was put on the auction catalogue. The same day we submitted our planning application. The date of auction was to be 26th November by which time we had to pay 10% and the balance by Christmas.
If our planning application was successful within the 8 weeks (supposed statutory time to decide applications) we could hope to get a self-build mortgage set up early in the New Year.
Most people regarded this as improbable, particularly with Enfield planning department’s reputation! How long would we have to rely on bridge funding? Were our partner family still with us? A successful outcome at this stage looked unlikely!
Read the other parts of the Self Build Family Build Blog.
Part One: Deciding to Self Build, the Turning Point
Part Two: Looking for Land in London
Part Three: The Land Value Idea
Part Four: A Small Matter of Access
Part Five: The Mystery of the Road Unravelled
Part Seven: Best Consideration Pursuing our Community Building Idea
Part Eight: Calling on Higher Parts
Part Nine: The Affordability Question
Part Ten: The Thorny Question of Government
Photo: printed with permission of Fiona Hanson 2020©
