Cumbria Rural Housing Trust (CRHT) Helping communities to help themselves Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Keswick Community Housing Trust first scheme December 2013 Community Land Trust & Self Build Homes

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 2 Why CLTs? Community confidence & support Priority for local people Improve affordability & space standards Diversity - build methods, community space, self build, training, trading Community income generation

Uk housing supply What will life be like for our children? 3 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Keswick Community Housing Trust 4 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at no experience, land or money CRHT & Impact HA support 2013 opened £1.4m 11 home scheme – 27 more homes in progress

Lyvennet Community Trust Crosby Ravensworth 10 affordable rented homes 7 self build plots Photo - Derek Horn 5 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Butchers Arms community buy out Photo Cumberland & Westmorland Herald

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 6 Community Centre Shops Housing YHA Glendale Gateway Trust Cumbria visit 2009 Office pods at the community centre

Not just one thing Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 7 Self build - many variations 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 8 Affordable self build Intermediate earners Can’t afford market housing Can afford build cost

Active neighbourhoods 9 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at “Inhabitants have a much stronger attachment to their surroundings.” Jacqueline Tellinga, Almere new town, Holland Lancaster Cohousing scheme. Photo: © Luke Mills

Space – the final frontier 10 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at “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 85m2

The economy 11 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Employment & spend in the economy £2.3bn construction materials 2013 (Homebuilding & Renovating Market Research)

Government policy "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' 12 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

13 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, the National Custom and Self Builder Association – web site resources)

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 14 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 15 Lilac housing co-op, Leeds Picture courtesy of Andy Lord ‘Community of interest’ various incomes Pooling resources Council site Sustainable Straw bale construction Communal buildings Affordable Mutual home ownership

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 16 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

CLT Funding Set-up CLT Network £4,000 / SLDC £2,500 - grants Pre-development The CLT Fund loan – c £2,000 per home Locality Project Support Grant – c £40,000 Development Custom Build Loan Fund (self build), 75% of cost, 5 homes + HCA housing grant, Local Authority grant or loan, building societies, CLT Fund loan 17 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

18 Step by step Identify sites Work with community Business planning (CRHT) Development process CRHT support + resources

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 19 Serves over 150 CLTs in England and Wales. Grants, resources and services 8 regional board members Chair David Graham MBE (Lyvennet Trust) Director Catherine Harrington National CLT Network

Cumbria Rural Housing Trust support “When our 2nd child was born we had nowhere to put a pram. Buying a share in a KCHT home has completely changed our lives. We have a beautiful home with plenty of space especially for the children. A private garden has been the icing on the cake. Buying from the CLT was the only form of ownership we could afford.” Gary and Lucie Wilson, Keswick Andy Lloyd with Bill Bewley, chair of Keswick Community Housing Trust 20 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Above: Andy Lloyd, CRHT, Gary & Lucy Wilson, Bill Bewley KCHT chair

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 21 Parish housing needs surveys Liaise with communities and councils Business planning for Community Land Trusts (CLTs) Introduce funding Advice & support for self build Help get you started – come out to your meetings CRHT Support