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Welcome!

Welcome & AddressPatrick Flynn, Head of Housing & Regeneration

Glasgow City Council

SESSION 1:

Supporting Custom and Self Build Housing in Scotland

Keynote address

Cllr. John Letford

City Convener for Democratic Renewal and Council Business Manager,

Glasgow City Council

Overview of the Custom & Self Build Sector

Michael Holmes, Chair

National Custom & Self-Build Association

(NaCSBA)

Right to Build Taskforce & technical models for

deliveryMario Wolf, Director

Right to Build Taskforce

Mario Wolf, Director of the Right to Build Task Force

The Right to Build Task Force and delivery models

The Right to Build Task Force

• Launched February 2017 by NaCSBA

• Funded by the Nationwide Foundation

• Positive engagement with Kevin Stewart (Scottish Minister for Local Government and Housing), and supported by Government in Housing White Paper for England

• Established to support local authorities and other organisations across the UK to deliver large, affordable Custom and Self Build housing projects

• Supports objective to deliver 20,000+ Custom and Self Build homes per year by 2020, to give more people the choice to have an affordable that fully meets their needs

• Comprises Task Force Director and Panel of Experts, overseen by Board which includes representatives from NaCSBA, Homes England, NHF, LGA, RICS, RTPI and Glasgow CC

Type of organisations and projects supported

• Local authorities, community organisations/groups, housing associations, devolved administrations, other public sector bodies (across UK)

• Focus on delivering more affordable/lower cost Custom and Self build homes

• Priority given to projects delivering more homes at scale, or initiatives that are capable of replication:

• Larger local authority/private sector projects• Community-led projects or initiatives (currently offering free advice to 5 projects)

• Projects need strong support/backing from senior local politicians

• Target to support 80 organisations by end of 2019

What is Custom and Self Build housing?

Self Build• People directly organise the

design and construction of their homes

• Very few actually do the main construction work

Custom Build• Working with a specialist

developer or ‘enabler’ to deliver the home

• Many offer ready-to-go serviced plots

• Less risk/faster

Usually single homes, but both approaches can be used by groups

Scottish Planning Policy (SPP, 2014)

• Recognises affordable housing delivered as discount market sale can include Self Build plots (also recognised in Planning Advice Note 2/2010)

• As part of housing need and demand assessment (HNDA), local authorities are required to consider need for specialist provision and sites for people seeking Self Build plots:

“Where authorities believe it appropriate to allocate suitable sites for self-build plots, the sites may contribute to meeting the housing land requirement”

• Promoting Rural Development (Delivery)- in remote rural areas, where new development can often help to sustain fragile communities, plans and decision-making should generally include provision for small-scale housing (including plots for self build)

Benefits for Builders and Landowners

• Taps into wider demand (offer is different)• Can speed-up build out (people want to build their dream home now) • Improves site marketability (wider offer/more choice)• Shares risk if working with specialist enabling partner• Can improve viability and help with cashflow (good return on ROCE)

Benefits for Councils and Communities

Communities• Widens choice/options• Can help on affordability• Greater community cohesion

Councils• Can speed-up and grow supply• Improves housing diversity/quality• Supports local smaller

builders/local economies• Modular housing friendly• Fewer planning objections

Understanding the main delivery models

www.righttobuildtoolkit.org.uk

Serviced Plots

Delivery at scale: Graven Hill, Bicester (Cherwell District Council)• About 1,900 plots for new

custom and self build homes

• First phase of plots released –most already reserved

• Local Development Order gives planning permission

- Detached homes on serviced plots (including small Pocket Plots)

- Shell Build on terraced and mews homes

- Tailored Finish homes

- Shared ownership and rental, in partnership with Housing Association

- 1-2 bed apartments with bespoke individual finish from a range of options

Serviced Plots on larger housing sites

Charles Church, Newcastle Great Park39 serviced plots from 390-981 sq m

(460 sq m plot costs £170,000) Popular with new home owners

Leithfield Park, Milford, Surrey

David Wilson Homes, 10 Custom Build plots on 108 home site (9%) Choose plot, house type + room configurations + specification packages. Popular with buyers.

Other projects

Wynyard Park, County Durham(with Taylor Wimpey, Story Homes, Avant Homes, David Wilson Homes)

Self Build plots available in three main developments: Manorside, The Beaumont and Wellington Gardens. Manorside has 28 premium plots reserved for ‘Grand Self Build residences’.

Design Code specifies approval process and other requirements, including need for buyers to consult landowner at early design stage and submit designs and materials for approval within 3 months of plot purchase (consultation fee payable)

Other projects

Dominion, Carr Lodge, Doncaster

Fairgrove Homes 25 plots with D&B contract to build range of 3, 4 and 5 bed homes (8% of overall scheme)

Choice over build stage: watertight, basic build with bronze, silver or gold finish

Other projects

Squirrel Wood, Basingstoke

ZeroC122 Custom Build homes (including affordable housing)

Buyers reserve plot, get help to secure custom-build mortgage, choose house type, room layouts and other available features and agree design/build contract.

Customers can also use own builder.

Other projects on smaller parcels or sites

Blueprint, Green Street, Phase II, Nottingham7 Custom Build homes on 21 unit site, extensive interior layout and finish choices

Quinn Estates, Hammill Park, Kent19 serviced plots for ‘enabled self build’, with outline planning- strong local demand

Potton, French Fields, Cheshire18 plots for 3-6 bed homes

Other projects on smaller parcels or sites

PLOT, Village Farm, Murton, Durham10 plots with planning permission for 4-5 bed homesFrom £115,000

Other projects on smaller parcels or sites

Czero Developments, The Leys, Shropshire9 plots with detailed planning permission and pre-approved/costed house typesFrom £120,000 (for 590 sqm plot)

Aylesbury Woodlands (part of Garden Town)

Buckinghamshire AdvantageAt least 165 plots on 1,100 home scheme (15%)

Final quantum, mix, location still being considered

Planning permission remains flexible about final number, subject to local demand/viability

Opportunities to deliver at scale and density

Opportunities to deliver at scale and density

Mixed approaches on larger sites

New Delft- one third Custom and Self Build housing as part of city regeneration project of over 800 homes (consents on plots given in two weeks in accordance with design code)

Custom Build enabled models

‘Affordable housing’ policy compliant models

Community Land Trusts

Discount market sale

Shared ownership

Affordable and social rent

Opportunities on exception sites or as part of affordable housing mix

on larger sites

Duneland Ecovillage, Findhorn, Moray, Scotland

25 attractive eco-homes, plus ten serviced building plots, and a terrace of six homes

Community-led housing opportunities

New delivery models (housing for older people)…

Tiny House opportunities at Almere9,000 visitors to Council Expo over two weekends. Affordable innovative housing with plots rented from the Council

New delivery models…

Self-refurbishment opportunities

Self-refurbishment opportunities

Self-refurbishment opportunities

Single plot and larger infill and regeneration opportunities

How does the Right to Build Task Force work?

SUBMIT EXPRESSION OF INTEREST

INITIAL DISCUSSION WITH TASK FORCE DIRECTOR

PROPOSAL PREPARED AND PROJECT BRIEF AGREED

QUALIFIED TASK FORCE EXPERT APPOINTED TO MATCH NEEDS

WORK UNDERTAKEN TO AGREED MILESTONES

Demand assessments

Funding and viability

Affordable housing

Design Codes

Strategic Planning

Group projects

Serviced Plots

Marketing and promotion

Areas where Task Force can help

Some of the delivery challenges we are advising on

• Estimating demand

• Deciding on mix and type of projects to support

• Finding delivery partners/enablers

• Locational considerations on larger sites

• Viability considerations (which model fits best)

• Scope and delivery of design codes

• Managing buildout

• Delivering affordable housing

• Winning ‘hearts and minds’ of landowners/larger developers and communities

• Identifying suitable policy solutions to fit the local context

We are here to help, please contact us at:

righttobuildtoolkit.org.uktaskforce@nacsba.org.uk

The Custom and Self Build scene in GlasgowAngela Doran, Self-Build Manager

Glasgow City Council& Gary Watt, Development Director,

Igloo Regeneration

Delivering Customer Choice in Housing through Custom Build

“Self Build [is where] someone … directly organises the design and construction of their … home.

Custom Build [is where] someone … commissions a specialist developer to help to deliver their … home”

Brandon Lewis MP, former Housing Minister, Right to Build Debate, House of Commons (24th October 2014)

Self Build or Custom Build

Custom Build in Holland -Homeruskwartier, Almere, 2016

Custom Build in Holland -The Plot Passport

Custom Build in Holland -Choosing a Home Manufacturer

Result

Properties people want to buy (size/specification)Funded in part by lower developer profit – sale of serviced plot/customer funds buildOther savings, e.g. lower SDLT, CIL exemption

The igloo Custom Build model

Heartlands: 54 plots in Cornwall -

1st UK Government pilot

Heartlands Park Design Code

Meet the HomeManufacturers -Dwelle

Meet the HomeManufacturers -Lightbox House

Meet the HomeManufacturers -MyHouse

Meet the HomeManufacturers -Potton

Meet the HomeManufacturers -LittleBIG House

Meet the HomeManufacturers -Balehaus

A simple Custom Build process

Phase 1 - Plots completed

• Complements speculative housing product

• Faster sales rate

• Developments completed quicker

• Stronger communities

• New market for contractors, OSM

Custom Build Benefits

Scottish Canals, DundasHill

Dundashill

- Site enabling works - £5.4m

- Custom build strategy – Scottish Govt.

- What type of custom build ?

- How Scottish OSM sector can deliver ?

Next steps

Thank you !

gary.watt@igloo.uk.net

SESSION 2:

WHY SUPPORT CUSTOM AND SELF BUILD

HOUSING?

Scaling up C&SB provision through Scottish

Government initiativesMalcolm Fraser,

Halliday Fraser Munro and Common Weal

Working with enablers: discussion with local authorities

enabling self-buildAngela Doran, Glasgow CC

Mike Staples, Dumfries & Galloway Small Communities Housing TrustFrazer MacLachlan, Econekt

Learning from Balmaha and Dumfries & Galloway SPZ

Matt Bridgestock,

John Gilbert Architects

Highlands Small Communities Housing Trust & funding for

self build projects in Scotland

Ronnie MacRae

CEO, Highlands Small Communities Housing Trust

Ronnie MacRaeCEO

What we do

❑ Help communities secure long term solutions to their housing and related needs

❑ Work towards enhancing social and economic benefit for any community we work in

❑ Develop innovative solutions to enable development where required

❑ Land acquisitions and experience in self/custom build since 1998

Title condition to ensure the plots or houses remain affordable in perpetuity. Comprises of two elements:1. An equity share – which protects the discount

provided 2. Right of pre emption – HSCHT has first right to

buy back the property when offered for sale. The next sale will be under the same terms with the RHB.

Rural Housing Burden

❑ Main form of procurement in Highlands. As well as much of the rest of Scotland.❑ In Highland 2007/2008 – 1845 completed builds, 1,000 self/custom. (54%)❑ In Highland 2012/2013 – 833 completed builds, 320 self/custom (38%)❑ Reduced economic activity of 680 units x £150k = £1,020,000 ❑ 7 FTE x 680 units = 4,760 Job opportunities lost in one year.❑ Massive reduction in economic activity in construction industry all over Scotland.❑ Particularly damaging to rural communities that rely heavily on self/custom build.

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New Builds In Highland

Self-Procured Total New Builds

Self Build impact

Rent to Buy Long Lease Greener Homes

Examples of HSCHT Housing Models

Empty Homes – Conversion and Refurbishment

Druim Garbh, Acharacle Old Schoolhouse, Achiltiebuie

Key Features of the Highland Self Build Loan Fund

❑ £4 million loan fund from the Scottish Government❑ Maximum loan of £175,000 per build (repaid on

completion)❑ Does not include land costs❑ Drawdown of fund to suit applicants build schedule❑ Available from April 2016 to March 2018❑ Applications accepted in Highland Council area only during

pilot scheme❑ Scotland wide fund being launched in autumn 2018

HSBLF Demand

• 74,587 Hits on website

• Limited marketing lately

• 2386 Expressions of interest

• 61 Applications received

• 15 Applications approved

• Total Value of Loans issued approx. £1.5m

Work required on!

• More lenders to market

• Scottish Self Build Loan Fund

• Financial Conduct Authority (FCA)

• Rural Housing Fund (RHF)

• Scottish Land Fund (SLF)

• Widen use of Rural Housing Burdens (RHB)

❑ Set up to help people access affordable self build plots ❑ National Revolving Fund – Available NOW targeting remote areas❑ House plots purchased through the fund and repaid upon

completion of the house

Dr & Mrs J. Steven FauldsMemorial Fund

❑ Example of self-build working within co-housing type set-up.

❑ 4 local households unable to secure appropriate housing within their community.

❑ Negotiating with landowner (Rothiemurchus Estate).

❑ Cross-subsidy model.❑ 4 affordable units, cross subsidised by 2

open market plots for landowner.❑ Consultation with CNPA Affordable

Housing Officers and Planning Officials.❑ Land purchased by HSCHT before

serviced plots sold to individuals with Rural Housing Burden attached.

Rothiemurchas Saw Mill Site

Beauly

❑ 9 house plots sold with RHB attached

❑ 1 house developed under RTB Scheme RHB also attached

❑ Only one of the 10 houses had subsidy (Via RHOG)

HSCHT assistance in developing community projects

GALE – Gairloch Community Project

Strontian Community School

ATC - Gairloch Community Project

Kinlochshiel Shinty Club

www.hscht.co.uk

01463 233549

info@hscht.co.uk

@HSCHT

Facebook.com/HSCHT

Mortgage & finance availability

Tom McSherry

National Relationship Manager

Funding for

Custom and Self Build Housing

Tom McSherryNational Relationship Manager – BuildStore Group

PlotSearch 10584 Custom Build Register 4331

Selfbuild and Custom build demand in Scotland

Lenders

The market is primarily

supported by Regional

Building Societies with

the exception of Virgin

Money who entered

the custom build

market last year,

exclusively through

BuildStore.

Mortgages for

Self & Custom Build

➢ Up to 80% on land/property with outline planning and up to

% on build costs

➢ Up to 100% against land already owned

➢ Stage payments – in advance or arrears

➢ Overpayments allowed without penalty

➢ No need to sell current home first - clients can stay in their

existing home as they build their new one due to enhanced

cash position offered

➢ More money earlier - particularly useful in the case of timber

frame kits where client is required to pay for their kit early on

Mortgages for

Custom Build

Custom Build Shell Scheme Serviced Plots

➢ Funding for all three options available on a stage payment basis for

both Shared Ownership and Open Market Purchase

➢ Up to 85% of the purchase of plot/shell/property, and 85% of costs

to complete the property for Open Market

➢ Up to 85% of share of purchase of plot/shell/property, and 85% of

share of costs to complete the property for shared ownership.

Custom Build

➢ Funding Not just 3rd or 4th time movers

➢ Younger demographic requiring

▪ Lower deposit mortgages

▪ More affordable homes through Starter Homes Scheme or

Shared Ownership

▪ Discounted land with local connection need.

Mortgages for

Custom Build

Affordable

Options

Self

Build

Options

✓ Serviced Plots

✓ Golden Brick

Custom

Build

Options

✓ Golden Brick

✓ Shell

✓ Terraced Villas

✓ Discounted Plots –

Restricted Resale

✓ Shared Ownership

Model (to be

discussed)

Supporting Local Initiatives

➢ Glasgow City Council

➢ Perth & Kinross

➢ York

➢ Cornwall Council

➢ Teignbridge Council

➢ Private Land Owners

➢ Housing Associations

➢ Development finance lenders

➢ Building Societies

➢ The Highland Selfbuild Loan Fund

Funding Streams for

Landowners & Developers

MIKE BELLAMYCSBA – Veterans Self BuildNational Fundraising DirectorRoyal Navy Submarine Service (Veteran)

The Veterans Self Build TM is part of the Community Self Build Agency Ltd – Registered Charity in England & Wales No. 1115575

www.justgiving.com/CSBA

PM SESSION 1: Co-housing & collective self-build:

growing movement of co-housing & emergence of student housing co-ops

Akiko Kobayashi (Architects),

Petra Biberbach, PAS,

Alex Pirks, Edinburgh Student Housing Co-op

SESSION 3: Masterclasses 1 (3.00-3.30pm)• Assessing demand for custom and self-build housing: Mario Wolf, Task Force Director

• Mortgage and finance availability: Tom McSherry, National Relationship Manager, BuildStore

• How to enable custom build through the sale of serviced plots: Tom Connor and Allan Corfield,

Custom Build Solutions

• Planning for custom and self-build housing: Petra Biberbach, Chief Executive, PAS

• Facilitating co-housing projects: Akiko Kobayashi, Architect & Steven Tolson, RICS (Scotland)

• Bath Street Collective Custom Build and how to build a Scotland-wide model: John Kinsley, John

Kinsley Architects and Malcolm Fraser, Halliday Fraser Munro and Common Weal

Session 4: Masterclasses 2: (4.00-4.30pm)• Assessing demand for custom and self-build housing: Mario Wolf, Task Force Director

• Mortgage and finance availability: Tom McSherry, National Relationship Manager, BuildStore

• How to enable custom build through the sale of serviced plots: Tom Connor and Allan Corfield,

Custom Build Solutions

• Planning for custom and self-build housing: Petra Biberbach, Chief Executive, PAS

• Facilitating co-housing projects: Akiko Kobayashi, Architects and Steven Tolson, RICS (Scotland)

• Bath Street Collective Custom Build and how to build a Scotland-wide model: John Kinsley, John

Kinsley Architects and Malcolm Fraser, Halliday Fraser Munro and Common Weal

CloseThank you for attending today

Expos coming up:

Fareham, 6 Sept 2018

Cambridgeshire, 4 Oct 2018Warrington, 1 Nov 2018

Leeds, 29 Nov 2018

www.rightobuildtoolkit.org.uk/expos