Cumbria Rural Housing Trust Helping communities to help themselves Keswick Community Housing Trust – The Hopes Scheme Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

2 To work with everyone involved in rural affordable housing provision To provide parish needs surveys for schemes Liaise between communities and councils Business planning for Community Land Trusts (CLTs) Recently - Enabling for Affordable Self Build Our Role

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 3 Diversity of approaches Why promote self build? International comparisons Policies and funding Examples Self build - Choice, affordability, green design

Not just one thing Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 4 Diversity More involvement Self managed and built Self managed Self finished Self commissioned Less involvement Individual build or Group build Open market or Affordable (subsidised & unsubsidised) Trades based, Train & build or Layperson based

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 5 Older Already own a property Doing open market housing Cash for plot Budgets £ k Want to design ideal home And to reduce running costs ‘Traditional’ self builders

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 6 Affordable self builders Younger Can’t afford market housing Can afford build cost Motivated by Affordability Eco-aspects Running costs

Why promote self build? 7 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Neighbourhoods “Inhabitants have a much stronger attachment to their surroundings.” Jacqueline Tellinga, Almere new town, Holland. 100 Ha zoned for self build. One of the communal areas at the Lancaster Cohousing scheme. Photo: © Luke Mills

Why promote self build? 8 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Space “The UK builds the smallest new homes in Europe.” Sir Bob Kerslake as CEO of the Homes and Communities Agency (HCA) HCA 3 bed house space standard 81m2 Keswick Community Housing Trust 100m2

Why promote self build? 9 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Affordability Old 3 bed market value house Kendal From £300,000 now New energy efficient 3 bed house Keswick Community Housing Trust £127,000 all in, in £40,000 costed designswww.nacsba.org.uk/selfbuildonashoestring Eco Self builders want to maximise sustainable design – e.g. South Lakeland Group / Lilac in Leeds etc Cheaper mortgages for green build – Ecology Building Society Possible to exceed build reg’s – balance capital expenditure with running costs

Why promote self build? 10 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Economy Significant potential to employ trades and achieve spend in the economy £2.3bn – the value of self build to the construction materials market in 2103 (Homebuilding & Renovating Market Research)

Why promote self build? 11 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Help meet demand

Does it work? International comparisons Self commissioned housing as % of overall market UK = 8% in 2013 Scotland = 9% of UK (1,200 of 13,000pa in 2008) not inc’ Ireland. Serviced market plots everywhere. Northern Ireland = 50% (4,000 of 8,000 total) new builds pa Southern Ireland = 55% (10,000 of 18,000 total) new builds pa (post housing market collapse) Australia, Melbourne - self commissioned housing = 31% (14,000) 2009 / 2010 Austria - self organised homes = 80% Scandinavia - self organised homes = 50% to 60% Summarised from “Lessons from International Self Build Housing Practices” Dr Sheila Owen, Department of Communities & Local Government. Commissioned by Nacsba Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

International comparisons 13 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Scotland Historic culture of self building - more people have knowledge and know others who have self built Planning Policy supports development of sustainable homes in the countryside. Local authorities take a positive approach to small scale housing. Small Communities Housing Trust prepares affordable plots.

International comparisons 14 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Germany Local Authorities dictate land supply and values Most housing delivered via ‘custom build’ ie many small high quality building companies. build-in-the-uk-compare-to-germany-with-mark-brinkley-author-of-the- housebuilders-bible/ build-in-the-uk-compare-to-germany-with-mark-brinkley-author-of-the- housebuilders-bible Strong culture of self build for single family homes and encouragement of diverse community housing projects. House prices reduced by 10 percent over the past thirty years UK increased by 233% same period - Collin Wiles, Inside Housing 2012

International comparisons 15 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at England Land difficult to source Land owners prefer to sell to large scale developers Very high land values reduce access

New policy support "Custom and self build should be a realistic opportunity for anyone who wants to build their own home. Our plans will clear the way for a new generation of custom and self builders.“ Brandon Lewis - Housing & Planning Minister National Planning Policy Framework (NPPF) 2012 Local Authorities must assess and meet the needs of people wanting build their own homes, in line with local demand. Right to Build consultation LA land should be released for individual self builders supplied as serviced building plots. £150 million investment fund for 10,000 'serviced plots' 16 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Policy support “Self-build and Custom House Building Bill ” Committee stage. Private members bill Richard Bacon MP Will require local authorities to keep a register of people in their area who would like to self-build and ‘have regard’ to it in their housing and planning actions. Information from the eleven vanguard authority trials and public consultation will feed into it. 17 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Policy support Affordable Housing Contributions for self/custom builders consultation May 2014 Community Infrastructure Levy (CIL) exemption for anybody building their own home or 'commissioning' from a contractor 18 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Funding Custom Build Loan Fund (administered by the Homes and Communities Agency (HCA) £30m short-term loans to community groups, builders and other small organisations. 5 homes and above. Max 75% or £187,500 pu. Company start up grants (for affordable homes) The CLT Network, District Councils and the HCA Pre-development loans & grants from (for community led development) The CLT Network, HCA & LAs Capital Grant and finance (for affordable homes) The HCA & lenders 19 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

20 Examples Wales - three bedroom house Plot gifted by a relative Sustainable timber framed and clad Simple to build Project managed by single mum with teenage sons doing some of the work Construction cost £105,000 (provided by Nacsba)

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 21 Shropshire affordable self build policy 214 planning permissions Rural communities Max 60% market value

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 22 Lilac housing co-op, Leeds Community build Picture courtesy of Andy Lord ‘Community of interest’ various incomes An opportunity to pool resources Publicly owned site Sustainable Straw bale construction Communal buildings Affordable Mutual home ownership – Everyone buys lease according to incomes

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 23 Council led self build Cherwell District Former MoD base 500 acres near Bicester Permission for 1,900 homes Most to be some form of self build / custom build Cherwell Council to purchase Master-plan being developed First plots to be released early 2016 (Provided by Nacsba)

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 24 Community Land Trust self build St Minver, Cornwall, Alan Fox, Cornwall ‘Umbrella’ CLT 100% shared ownership tenure No Housing Grant £85,000 build cost (simple design) Modest subsidy North Cornwall DC Managed self build - On time & on budget Dec 08

Activity in Cumbria Allerdale Funding and possible sites for community led schemes Local group forming South Lakeland DC Development briefs to encourage self build on allocated sites Support for emerging self build group Eden DC Developing self build policies Owner of 35 home site wants to include self build Local group forming 25 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Activity in Cumbria Lyvennet Community Trust 10 affordable rented homes 7 self build plots sold for cross subsidy (And the Butchers Arms rescued) 26 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Photo Cumberland & Westmorland Herald Photo - Derek Horn

Cumbria Rural Housing Trust support 2014 AGM – Shropshire Council policy SLAs with Local Authorities To support self builders with site finding, business planning & procurement Groups in Kendal, Penrith and Cockermouth areas. Andy Lloyd with Bill Bewley, chair of Keswick Community Housing Trust 27 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at