House sales boost thanks to big garden

On 29 April 2022 Cumbria local  evening paper article (places with larger gardens doing well for sales) report a national study showing that houses with larger gardens attract a considerable higher selling price.

At Flosh Meadows self build site ( most plots have larger gardens than other sites and housing developments.

UPDATE:-Government Self and Custom build action plan January 2022.

UPDATE:- Flosh Meadows Self & Custom build have registered their interest in the governments financial self builders scheme.

Prospective self & custom builders who are interested in any site should also register at:


Self and custom build mortgage finance

Multi-year funding for ‘Help to Build’ was announced at the 2020 Spending Review. In April the government confirmed an initial £150 million over 4 years to support the scheme to deliver low deposit mortgages and improve affordability of home ownership for self and custom builders similar to Help to Buy.

1. Introduction

The housing market is dominated by a small number of volume builders and to reach the ambition of delivering 300,000 additional homes per year we must maximise delivery across new and existing sub-sectors, catalysing new tenures and giving consumers greater choice over housing products.

Self and custom build housing harnesses the power and initiative of individuals to instigate building projects giving them control over the look and feel of their home. Often utilising small sites of little interest to major builders, the sector brings forward housing projects delivered through SMEs and specialist builders, helping to build a more diverse and resilient housebuilding sector, and improving the design and quality of homes as they are built by the people who will live in them.

The self and custom build sector is under-developed in the UK. In Europe and North America, the sector delivers a much higher proportion of housing output. Only 7% of homes in UK are built via self and custom build, delivering an estimated 13,000 units in 2018. Nonetheless, even at this underdeveloped scale, this level of output is enough to make the sector the equivalent of UK’s fourth largest housebuilder. There is capacity to expand and if we increased to levels similar to the Netherlands, we could see 30-40,000 self and custom build homes built annually.

The government is committed to increasing the number of self and custom build homes in this country and to establish it as a mainstream option for people to choose to get on the housing ladder or when moving home. The government has previously brought forward initiatives to tackle the barriers to the growth of the sector, and now we are bringing these initiatives and new ones together under one self and custom build action plan.

more information at :


Cumbria has England’s lowest National Air Pollution

Cumbria has the lowest Air Pollution in England as reported in the very first world wide official national health index investigation carried out by the Office for National Statistics and Lane Clark & Peabody (LCP).

Flosh Meadows serviced self build plots are pleased to support these findings as our site is known to be in a healthy location and is sweet smelling, while benefiting from clean Cumbria air.

We look forward to a time in the near future when our procedures allow us to market and offer for sale our serviced self build plots for family home.

Self & Custom Build Wonderful Support

A new £210m scheme to assist people build their own home, helping to increase the supply of housing while also boosting the Welsh construction industry is being launched today (04 March 2020).

Self Build Wales, which is financed by the Welsh Government and managed by the Development Bank of Wales, provides people with ‘oven ready’ plots and a loan that covers 75% of the cost of a building plot and 100% of the cost to build a home.

To help self-builders meet everyday living costs, there are no repayments until the new home is completed.

The scheme also provides new opportunities for Welsh SME builders to build quality homes.

It offers a route into home ownership for people who want to stay in their local area but haven’t previously been able to afford to buy there.

(input by Richard & Betty Mulholland of Flosh Meadows) What a wonderful supportive scheme for Self & Custom Builders, we encourage Copeland Borough Council to provide similar and be the ‘trail blazers’ for our  English political masters; thereby allowing local persons with limited funding to build their own home with local builders and building suppliers greatly benefiting:

It also provides older and disabled people the opportunity to build custom adaptive housing that meets their needs, in the communities where they want to live.

The scheme aims to remove the barriers and uncertainty around self-builds and custom-builds – such as finding a plot, planning and finance – enabling more homes to be built and enabling Welsh builders to focus on building quality homes.

Figures suggest an average self-build house in the UK costs only 70-75% of its final value because no developer profits are involved. This puts that benefit into the pocket of the homeowner.

At around 10% of new homes, the UK has a much lower rate of self-building than other countries around the world.

Launching the new scheme, Deputy Minister for Housing, Hannah Blythyn said:

“We want to unlock the potential to build houses in Wales.

“While we are investing significantly in building new social and affordable homes, we also want to help far more people who want to build their own homes – doing so should not be the preserve of the most privileged households.

“We know finding the land, navigating planning consents and being able to afford to self-build while covering the cost of living can be real barriers. Self-Build Wales removes these barriers, and makes it far easier for people to build their own home. It will also be a significant boost to building firms across Wales.

“As we work to increase the amount of housing available, this scheme will help people who wouldn’t normally think of self-build to consider it seriously.”

Cenydd Rowlands, Property Director at the Development Bank of Wales said:

“We are excited to be working with the Welsh Government to deliver this innovative scheme which will have real impact for households as well as for wider communities.

“The Development Bank of Wales has been working with the property sector in Wales since 2012, and we have experienced first-hand the skill and passion that exists in the sector.

“Bringing planning, design, construction and funding together will open the doors to self and custom build for people who would not otherwise have considered it as a realistic option.”

Andrew Baddeley-Chappell, CEO of the National Custom and Self-Build Association said:

“Self-building enables the delivery of more and better homes that more people aspire to live in and that communities are happier to see built. Homes that are more beautiful, more in keeping with their surroundings and more sustainable than the mainstream market delivers. Homes that can combine high technology with the work of local artisans.

“We welcome this package of measures and the positive changes that they will deliver in Wales.”

Ifan Glyn​, Wales Director for the Federation of Master Builders said:

“Small building firms from across Wales will be delighted with the launch of the Self-Build Wales scheme. It has been a challenging time for small house builders over recent years with our members citing the drying up of financing streams and challenges in navigating the planning system as their main barriers to growth.

“We are delighted the Welsh Government have listened to our members’ concerns and have worked with us to develop a scheme that eliminates these barriers from the equation. The hard work starts now, but with continued collaboration, I am confident the Self-Build Wales scheme will provide our members with a major opportunity to build new homes within their own communities.”

More information can be found on the Self-Build Wales website here:

A million plan to self build in 2020

By Anna Cottrell

The popularity of self build is growing, with Scotland and northern England offering the best opportunities

Have you ever considered a self build home? If so, you are among a growing number of people who like the flexibility and profitability of self builds and are considering one in the near future. Over 13,000 custom and self built homes were being built in the UK in 2017, and that figure is estimated to have risen to 40,000 since then.

Insulation Express have looked into UK attitudes towards self builds and have identified the best areas of the country to give one a go. It turns out that a very impressive seven million of us are actively researching building our own homes, with one million of those due to start their self building project in the next year.

There are several reasons for this huge rise in interest in the self build sector. For half (49 per cent), current new builds just aren’t cutting it in terms of building quality, so building a home yourself seems like a better alternative. Self builds are also subject to reduced stamp duty, with only the price of the land taken into account, and only if that price exceeds £125,000, or £300,000 for first-time home owners. Moreover, owners of self builds make an average 29 per cent profit when they sell, making a self build an attractive form of property investment.

How to self build your dream home, your way

But what about the cost of the plots available for self building? Here, the picture varies dramatically between different regions of the UK. The most attractive plot pricing is to be found in Scotland, with Inverness and Dundee offering plots of land suitable for self building at £91,000 and £95,000 respectively.

The north of England is another attractive self build hotspot, with Manchester, Salford, and Durham offering plots for between £112,000 and £128,000. Unfortunately, it’s not such good news for would-be self builders who live in Liverpool, where a self build plot will set you back an eye-watering £817,000. Oxford was the second most inhospitable city to self builders, with a plot there costing over £500,000. Derby, Cambridge and Cardiff are all also very expensive, with plots there coming in at well over £300,000.

It seems that currently, if you are seriously considering a self build, you should also be considering a dramatic relocation and potentially a lifestyle change, especially if you’re hoping to make money from your self build in the future.

Self-build builds potential for more and better homes

Source: Public Sector Executive April/May 2019

The director of The Right to Build Task Force – which advises stakeholders on bringing on more custom and self-build homes – Mario Wolf, who is currently on secondment from the Ministry of Housing, Communities and Local Government, discusses challenges the public sector needs to engage with to deliver housing supply growth.

In his recent review findings, Sir Oliver Letwin pointed to the need for diversification in housing supply on large sites in areas of high housing demand to speed up delivery. Custom and self-build will make a vital contribution to this diversification, but to do so it needs the public sector to embrace it, and recognise that it can deliver more and better homes.

Continue reading “Self-build builds potential for more and better homes”

Family Plots application November 2017

Dear Neighbour

Subject: Application for planning permission at Flosh Meadows, Cleator

I attach an illustrative drawing which will be submitted to Copeland Borough Council planning department, as part of a new application.

We continue to receive requests for self build plots at Flosh Meadows, especially from local families.

The application land is substantially hidden from view from Jacktrees Rd and St Mary’s Grotto due to the site lower ground levels and existing substantial & to be improved hedges with new planting.

We are formally meeting and requesting support from Cleator Moor Town Council & St Mary’s church for this self build for local families application.

(we have used the following description on our earlier letter to you, we are leaving it in as it is still relevant)

We appreciate that most people we are informing of our plans, have in the past built their own homes close to Flosh Meadows and will understandably have considerable sympathy and support for others wishing to do the same. Additionally, we are continuing to add local builders and suppliers to our list which we will make available to plot purchasers. Flosh Meadows development will bring work and revenue into our locality benefitting our community, local businesses and churches etc.

We are in continual discussion with the Homes & Community Agency (HCA) who with the Self Build Portal and their still developing ‘Toolkit for Local Authorities planning departments’ are encouraging more house building and in our case ‘more self & custom build serviced plots’.

The above mentioned ‘Toolkit etc’ recommends amongst many other matters the use of ‘plot passports’ which gives advice on design and materials for self build.

Flosh Meadows ‘Top Meadow plots’ area was designed to reduce any overlooking of existing properties and especially the cemetery & grotto including a 10m “No Build” zone from the cemetery boundary for such as garden sheds and similar and will always exceed the separation distances from existing homes required by Copeland Borough Council. Top Meadow plot & home owners will also be expected to reduce all noise when the Grotto is being used for special occasions.

Indeed, all new family homes at Flosh Meadows, including Top Meadow are further away from the cemetery grounds than other homes and busy hotel car park that have been in place for a considerable number of years.

We would be happy to discuss our plans with you; please contact us by any means suitable to you.

Richard & Betty Mulholland



Self Build Homes encouraged by UK Government Sep’ 2017

Custom-Built Homes to be Pushed by UK Government

September 14, 2017 by CRL Management

original article can be found at: New Custom Build Homes

new custom built homes

Custom-built and self-built homes are a way to change housing from something a community receives to something the community does for itself.

Despite a growth rate of 6.25% year on year, self-built properties are still a minor phenomenon in the UK, accounting for only 10% of a newly built homes. In contrast, 60% of homes in Germany, France, and Italy are self-built. In Australia and the U.S.A., the amount is 40%.

England and Scotland are now getting involved in a sector that could provide the UK with over 40,000 new homes per year.

The country’s first plot shop has now been opened. Located in Bicester, it will sell land plots on the Graven Hill in Oxfordshire to those seeking new custom built homes. Once complete, the development will be the biggest of its kind in the country, providing up to 1,900 new custom and self built homes.

Housing and Planning Minister Alok Sharma said that methods of supplying needed housing need to become more creative. The opening of the first plot shop in the UK will make it possible to deliver new custom built homes and self-built properties on a wider scale.

The SNP Government in Scotland is establishing simplified planning zones, where certain types of development will have planning permission waived. The Housing White Paper also confirmed intentions to doubling the number of custom and self-built homes by the end of the decade.

Virgin Money also released a product for self-builders. The new custom built homes market offers substantial growth potential by delivering high-quality homes tailored to a buyer’s individual requirements.

With custom build, aspiring homebuilders are given the tools to design their dream homes whilst the professionals step in to translate those dreams into reality. This strategy eliminates the risk and burden normally associated with a self-build project, creating a more varied housing market that advocates both individuality and design.

In April 2016 it became a requirement for every council across the country to retain a register of people seeking to build their own home. Over 18,000 aspiring homeowners have now submitted their names to local registers.

The Home Building Fund, which the government launched in October 2016, has made short term loan finance worth £1 billion to support custom build, innovation, and small and medium-sized enterprise builders.

According to the Self & Custom Build Market Report, the estimated value of the sector is £6 billion and growth of 41% is expected over the next three years. Contributor James Orme said that the market increase and other factors are motivating product and service suppliers to regard the custom and self-build markets as interesting opportunities.

About CRL

CRL’s specialist team arrange structural defects insurance to protect thousands of new ventures throughout the UK and Ireland. CRL assist in sourcing fast, flexible cover, arranged by the in-house team who are dedicated to providing the highest quality of customer service.

Anyone engaged in a building project or managing a portfolio of new-build properties that require mortgages, will require a 10-year structural insurance policy on the property. CRL recognises that every opportunity is different, there are no tick boxes and no set criteria – just an appetite for adventure!

To find out how you can start working with CRL and purchase a structural warranty, visit what we cover.

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