Burrowing money for land ....

bouncing_bubbles

Thanks Simon. That gives me somthing to work with and consentrate on. I will aim to put just over half take home pay into deposit account for next few months, already put money aside for insurances, car repairs etc.

If a temporary structure is already in place does the same apply?

For absolute clarity do you mean a mortgage broker?

Itismehonest

maninthestreet wrote: »

A few acres of land with a chalet on it?? How much do you think that will cost in the SW??

Much more than you probably think & that's if you can find anywhere.
The SW is one of the highest priced areas behind London & the SE.

It will depend on exactly where in the SW, too. Google is your friend but you may find it hard going.

I found 6.5 acres with a nissan hut but no residential planning permission & no services for £100,000.
There was also 3.5 acres with a stable + water/electric but no residential permission also for £100,000.

Anywhere with permanent residential Planning Permission is likely to be much higher. I wouldn't advise trying to ignore Planning because you'd probably end up with some expensive white elephant that you've bought but can have no use for.

Simon_gloster

U

bouncing_bubbles wrote: »

Thanks Simon. That gives me somthing to work with and consentrate on. I will aim to put just over half take home pay into deposit account for next few months, already put money aside for insurances, car repairs etc.

If a temporary structure is already in place does the same apply?

For absolute clarity do you mean a mortgage broker?

I do. For self builds they are slightly more complicated and require a huge amount of your time.

If the temp structurw meets their conatruction policy you could borrow against that....brick, tile, running water etc.

Some lenders may not want to lend if your intention is to knock down and rebuild.

I had a case last week of unauthorised demolition and the customer built 2 new homes. Wont bore you with the details, we were ok in the end but they had to spend 000's on legal fees etc for us to be happy.

bouncing_bubbles

I dont want permanant planning and never inferred that I would ignore the need for planning. I want temparory planning so I can have a temporary structure (chalet/mobile home). I will be far happier in a wodoen chalet in a field than in a 3 bed house with neighbours.

I know of a few places that would suit but want to secure funding before I look and/or make an offer.

Itismehonest

bouncing_bubbles wrote: »

I dont want permanant planning and never inferred that I would ignore the need for planning. I want temparory planning so I can have a temporary structure (chalet/mobile home). I will be far happier in a wodoen chalet in a field than in a 3 bed house with neighbours.

I know of a few places that would suit but want to secure funding before I look and/or make an offer.

Are we talking at cross purposes? I thought from your OP you intended living on the land?

I was talking about the type of Planning Permission not what the structure is built of.
To live permanently in any building (be it a chalet, mobile home or normal house) you need the necessary planning permission.
Temporary Planning permission is what is granted for things like structures to be used while roads or commercial ventures are undertaken. AFAIK they don't refer to what the structure is made of but the time the structure is allowed to be there.

Many plots of land are sold with structures of one sort or another on them but often without the PP allowing full-time residential use.

They may have Certificates of Lawful Use which allow people to live there with strict conditions. eg A cabin in a wood can have a Certificate stating it is to be used solely for forestry.
Some will have agricultural ties.

If you live on any land (even in a mobile home) without the correct permission you will be in breach.
I include part of a Planning decision found by googling as to what happens:

Alleged Breach:
Unauthorised material change of use of land from agricultural use to a mixed use of agriculture and the siting of a mobile home for human habitation, contrary to Section 171A Town and Country Planning Act 1990 (as amended).
Recommendation:
To authorise the Director of Corporate Services to take the appropriate legal action including the service of an Enforcement Notice or Notices to secure the cessation of the unauthorised use of the land for the siting of a mobile home for human habitation, and the removal of that and any mobile home from the land. In the event of a failure to comply with any such Notice, prosecution proceedings.

You may find The Planning Portal useful.

bouncing_bubbles

Itsmehonest - thank you for your input however I was asking about burrowing moeny to aquire land, not the intricies of PP.

I know PP is wide and varied and can be breached easily, I also know lots of places have covernants on them, and some you can only live in for x number of weeks per year. However the PP issues I will cross when I find somewhere.

Right now I want to find out ways to burrow money against land, sio I look into that, find out how much I can get etc and then start looking. When I find somewhere PP is of course something I will expolre to ensure I can live there etc. But right now that is a while off.

Itismehonest

bouncing_bubbles wrote: »

Itsmehonest - thank you for your input however I was asking about burrowing moeny to aquire land, not the intricies of PP.

I know PP is wide and varied and can be breached easily, I also know lots of places have covernants on them, and some you can only live in for x number of weeks per year. However the PP issues I will cross when I find somewhere.

Right now I want to find out ways to burrow money against land, sio I look into that, find out how much I can get etc and then start looking. When I find somewhere PP is of course something I will expolre to ensure I can live there etc. But right now that is a while off.

OK, sorry if I went OT.
BTW You may get less jokes about rabbits & myxi if you ask where you can borrow money.

foreversummer

bouncing_bubbles wrote: »

Itsmehonest - thank you for your input however I was asking about burrowing moeny to aquire land, not the intricies of PP.

I know PP is wide and varied and can be breached easily, I also know lots of places have covernants on them, and some you can only live in for x number of weeks per year. However the PP issues I will cross when I find somewhere.

Right now I want to find out ways to burrow money against land, sio I look into that, find out how much I can get etc and then start looking. When I find somewhere PP is of course something I will expolre to ensure I can live there etc. But right now that is a while off.

But surely there is little point on finding a nice piece of land if you have no chance of obtaining planning permission. You can only 'live' on land for 28 days in the year if you do not apply for residential use. And residential use is pretty near impossible unless the land is in a settlement boundary which is a built up area near other developments. It is a lovely dream but very difficulty to turn into reality unfortunately.

sammyjammy

Why wouldn't you just buy a house with no immediate neighbours?

Dave_Ham

Sorry this is back to front, not just the spelling.

What is the point in finding the ideal place and then not be legally allowed to stay on it...

As Simon rightly says, achieving finance on land alone is hard work. I personally do not get involved with it anymore, as it is almost a specialist area now..

Good luck