Self build

Please use the links below for more information for people considering a self build scheme.

• What is Self Build?
• I can't afford to build my own house. Can I get Local Authority funding?
• Can the council provide any land for Self Build?
• Are there any other organisations that can offer help?
• How much will it cost me?
• Registered Social Landlords (RSLs) in the Stroud District
• Useful links

1. What is Self Build?

   Self Build is for people who want to plan, design and build their own homes, learning new skills along the way. It is especially good for young people looking for ways to improve their career prospects, have an impact on their built environments and get a good deal on housing.

2. I can't afford to build my own house. Can I get Local Authority funding?

   The Council does not have its own resources to assist people in the self-build process. However Local Housing Associations, now referred to as Registered Social Landlords (RSLs), could advise you about how they might help project manage a new local Self Build group, known as a 'trust'.

   A Self Build trust can apply for grant through its RSL partner - although grant availability is subject to competition from others, and cannot be guaranteed.

   N.b. An RSL will not fund a scheme where the Self Builders wish to own the property outright afterwards. Self Builders approaching RSLs for funding must accept that the houses they build will only be available either to rent (at a reduced rate to the builders) or for Shared Ownership (part-rent, part-buy).

3. Can the council provide any land for Self Build?

   Not all land held by the Council is suitable for housing development. The Secretary of State requires us to achieve full open market value when disposing of land. We cannot discount the cost of land for individuals, but we can transfer discounted land to RSLs in exchange for long term rights to nominate tenants / shared owners.

   A Self Build group could enter into a Self-Build Agreement with an RSL. Government grant could be used towards the project costs. If discounted Council land can be identified, you could become

   • A self-build Housing Association tenant where the rent would be reduced to take account of the 'sweat equity' or labour that you input to the construction process
   • A shared owner where your stake would reflect the level of 'sweat equity'
4. Are there any other organisations that can offer help?

   The Community Self Build Agency or Walter Segal Trust could also advise of the processes involved, including Planning and Building Regulations requirements, obtaining finance, and dealing with professions such as an Architect, Quantity Surveyor, and Structural Engineer.

5. How much will it cost me?

   Unless a self build for rent proposal is being considered, self-builders will normally need to raise 15-20% of the total cost in order to get a project off the ground. It is recommended to identify suitable land, establishing its Planning potential, and agreeing in-principle purchase terms, before making applications for grant or mortgage funding.

   Self-build mortgages usually require a high deposit, and are now offered by most of the major building societies and banks.