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News

Task Force promotes community-led housing with awards of free advice

Following a call for applications earlier in the year, the Right to Build Task Force has awarded five organisations free help in the form of tailored expert advice.

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Get inspired by Netherland's Custom and Self-build homes

The Netherlands has been leading the way in innovation for Custom and Self-build homes, so get inspired by some of the various routes it uses to give people a tailor-made home.&....

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RUSS training day: From proposal to Planning

RUSS is running a one-day workshop for community-led groups, the second module in its education programme. 

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Could your grand design be built in a flying factory?

A flying factory is way of building a Self- or Custom Build home with all the benefits offered by building in a precision-factory environment, but on site.

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Community groups should take up learnings from free Right to Build Expos

The Right to Build Task Force has announced four more Expos fo....

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Case Studies

Bath Street Collective Custom Build

Bath Street Collective Custom Build

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Planning for retirement with Potton

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Bakers Shaw

Bakers Shaw mixed build-method Passivhaus

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Beattie Passive house

Manx passive home

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Contemporary Timber Frame Home

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Passivhaus Family Farmhouse

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Steel Farm

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Merlin Haven

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Timber Frame Home, Ventnor

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Aldcliffe Yard, Lancaster

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Walthamstow Social Rent Scheme

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Prefabricated Passivhaus bungalow

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Cookham Dean, Berkshire

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Harvest House

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Bickleigh Eco Village, Devon

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Stoke-on-Trent Serviced Building Plots

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Forevergreen House

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Housing People Building Communities

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Sülzer Freunde, Cologne

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Manor Farm, Kirton

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Straw-baling, Perthshire

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Findhorn

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Almere, Holland

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Hockerton

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Top tips

Heating

Heating Read more

Finance and Fees

Sources of Finance

SOURCES OF FINANCE

If you are planning to build your home on your own there are broadly there are three ways of financing a project: 

  • You are able to use your own savings (if so, you can probably stay in your existing home until the new one is built). Sometimes people are able to supplement their own savings by arranging an informal loan from family or friends.
  • You sell your current house to raise the finance you need, or use your existing property as surety for a loan to fund the new house. If you have to sell your current home you might then live in a caravan on site, or with relatives, or rent a house while the new home is built.
  • You borrow the money you need by taking out a mortgage on your proposed self build home. Usually you can only borrow about 75% of the land cost, and 60% of the build cost, so you will still need a sizeable deposit. Our SUPPLIERS DIRECTORY lists financial/mortgage providers.

You need to assess your situation and work out which method or combination of methods will work best for you.

An up-to-date list of self build mortgage providers can be found here: list of self build mortgage suppliers. 

If you are hoping to build as part of a group self build scheme you may be eligible for a loan under the Government’s Custom Build Serviced Plots Loan Fund. To be eligible there has to be at least five homes being built together. Read more about the full prospectus here. Note that a slightly different approach is being proposed from the Greater London area.

Community-led housing schemes are also eligible for grants towards some professional fees. Locality has more information.

Some of the bigger lending institutions may also be worth approaching, though in the current economic climate; it’s very difficult to get finance for group self build schemes.

BUDGET ADVICE

Budgeting can make or break a project. The more accurate your estimates, and calculations, the more likely you will build your dream home without any crippling over spends. See our BUDGET ADVICE page for things to keep in mind.

CIL/S106 EXEMPTIONS

The Government has confirmed that self builders (and the clients of custom builders) will be exempt from paying the Community Infrastructure Levy (CIL) that is normally charged when planning permission is granted for a new house. It has also confirmed plans to exempt self builders from paying Section 106 (S106) Affordable Housing Contributions.

More detail on these topics is available on our dedicated CIL/S106 EXEMPTIONS page.

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