HomeMade™ Custom Build

Menu

Q How do I reserve a plot?

The first 7 plots are available to reserve now for £500. Future plots will be released at ‘Plot Shops’ every few months on a first-come, first-served basis, provided you have undertaken a personal finance check (see below). Contact us to be kept informed when new plots are going to be released. Once you have reserved your plot you will receive a ‘Plot Passport’ confirming where you can build on your plot and other useful details.

Back to the top

Q Can I choose any Designer on any plot?

Yes you can choose any Designer on any plot.

Back to the top

Q Will there be show homes?

Once the first 7 homes are complete they will be available to visit by prior arrangement with the agent Humberts and Redwood.

Back to the top

Q Can I buy more than one plot?

You can buy two adjacent plots for you and a family member to live in two houses. However the planning permission requires each plot to contain a seperate home so unfortunately you cannot buy two plots for a single large home.

Back to the top

Q Can I buy a plot but choose someone else to build my home?

Sorry, no. The six Designers will build all of the homes. They have been chosen because of the quality and choice of the designs they offer.

Back to the top

Q What is the total cost of buying a HomeMade™ Custom Build home?

The combined cost of the plot and the home will range from around £195,000 to £300,000 depending on the size and added design details you choose:

  • Your plot. You’ll pay a £500 reservation fee to secure your plot. Then a 10% deposit towards the plot price will be paid when you've agreed your design and the balance when the damp proof course is complete (see below). No VAT will be payable on your reservation fee or plot price.
  • Your house. Your Designer will confirm the cost once you have completed your design. They may require an upfront design fee of £2,500 - £3,000 plus VAT, which will be included in the cost they quote you. The majority of the cost will be paid in about 5 stages during the build. Most Designers will require payment after each stage is completed, but some may require advance payments – see the key facts summary. Any VAT payable will be included within the house cost.

As with any home purchase there will be a number of additional costs you will also need to budget for:

  • A personal finance check (see below). An initial discussion with independent financial advisor Buildstore to help you identify your budget will be free. Once you are ready to reserve a plot a fee of £300 will be paid. No VAT will be payable on this amount.
  • If you need a mortgage to fund your new home Buildstore will help you calculate these costs and arrange your mortgage for a fee of £695. No VAT will be payable on this amount. Your mortgage provider may also require insurance in case you are unable to fund the entire development. Buildstore will confirm these costs.
  • Conveyancing costs. This will cost about £1,000 plus VAT for an experienced conveyancing solicitor (see below) including local searches.
  • Advice is currently being taken on Stamp Duty Land Tax (SDLT). The aim is that SDLT will only be applied to the plot price and the works to the damp proof course. However, this is not yet confirmed and in the worst case would be on the total cost of the plot and home (i.e. the normal agrement). Please note if this is not your primary residence at the time the agreement completes you will need to pay the Additional Rate of SDLT. However your Solicitor can advise you how to apply for a refund if the new Custom Build home becomes your primary residence at a later stage (note there is a timetable within which this application needs to be made).
  • You will also need to budget for any cost of the home you will live in whilst your HomeMade™ home is built for you, new fixtures and furniture not included in your Designer's costs and removal costs.
Back to the top

Q How long will it take between reservation and moving in?

After reserving your plot you have up to 2 weeks to choose your Designer and complete your personal finance check (see below). You will need about six weeks to finalise your design. Allow a further six weeks for your Designer to arrange approvals from the Council’s planning and building control team and for independent financial advisor Buildstore to arrange approval from your mortgage provider (if applicable). Add to this the build time for your home, which will vary for each Designer (Key Facts Summary), but will be no more than 6 months. In total you could be living in your dream home within 9 months. Having some of your home built in a factory reduces potential delays from bad weather. However if bad weather does lead to a delay it will not cost you any more.

Back to the top

Q How much input will I have into the design of my new home?

The pleasure of HomeMade™ Custom Build is you can make a range of choices about your new home. Your Designer will provide a menu to choose from. If there is something special that you’d like they will do their best to make it possible. Your Designer will agree with you the best way to work together, including face-to-face meetings (if applicable), by email, phone or Skype. They will have allowed for at least one meeting in their price (Key Facts Summary) and will let you know any additional cost for further meetings.

Back to the top

Q Can I take longer to design my home if I wish?

If you feel you will need longer than six weeks please discuss this with your agents Humberts or Redwood and Designer who will be as flexible as possible. 

Back to the top

Q When will I be contractually obliged to buy my new home?

Once you’re happy with the design you’ll sign and ‘exchange’ your contract to purchase your plot and home. You will be contractually committed at this point. Once the necessary approvals are in place (see below) and damp proof course is reached the contract will ‘complete’ and you will own your plot. If you are using a mortgage to fund the build this will also take effect at the same time. This approach has been agreed with a conveyancing solicitor (see below) and mortgage lenders.

Back to the top

Q What approvals will I need before my home is built?

Up to three approvals will be needed. A planning ‘reserved matters’ approval and a building control approval will be required from Cornwall Council. If you require a mortgage then a mortgage lender approval will also be needed. Your Designer will manage the Council approvals and independent fincancial advisor Buildstore will arrange the mortgage lender approval. 

Back to the top

Q What finance options are available for Custom Build?

A number of banks and building societies offer ‘stage payment’ mortgages to allow you to buy a HomeMade™ Custom Build plot and home. Independent finacial advisor Buildstore can help you identify the best mortgage lender to meet your needs. Although the Government’s ‘Help to Buy’ scheme is not available for Custom Build housing, 90% lending is available now and we hope to introduce 95% shortly. Mortgage lending is already available to meet 90% of cost. Steps are also underway to register the development for the Government's 'Help to Buy' scheme, which will only require a 5% deposit when available.

Back to the top

Q Why will I need to undertake a personal finance check?

Your Designer will be building you a bespoke home tailored to your unique needs with payments made throughout the build as progress is made. They will need the comfort that you have or can arrange all the funds for the plot and house before the design starts. A personal finance check will help you identify the mortgage lending available to you, particularly with new stricter lending rules for all mortgages, and budget the right amount to create the home you dream of. You have up to 2 weeks to complete your personal finance check once you have reserved your HomeMade™ plot.

Back to the top

Q What restrictions will there be on who can buy a plot and will they continue after my house is completed?

Carillion igloo’s experience is that places are more vibrant and residents are happier when developments are made up of people who live there as their main home. Reasonable steps will be taken to prevent buy-to-let investors from buying plots and encourage people to live at Heartlands as their primary residence. However once your home is complete there will be no restrictions placed on who you sell your plot to or whether you can let it out.

Back to the top

Q When will I own the property?

To ensure VAT does not need to be added to the cost of the plot you will own it once your house reaches damp proof course. You will still need a mortgage offer before the build starts but mortgage funds will only start to be released when you own the plot. independent financial advisor Buildstore has discussed this approach, which is commonly used when developing new homes, with lenders.

Back to the top

Q Will I need a conveyancing solicitor?

Yes. You are legally free to select who you wish. However we recommend Charles French & Co, an experienced local conveyancing company, who understands both the unique features of Custom Build and buying and selling homes in a former mining area like Heartlands. They have also offered a lower fee due to the large number of plots being sold at Heartlands. Agents Humberts and Redwood will put you in touch with them at the appropriate stage.

Back to the top

Q What services will be available to each plot?

Electricity, gas, water and foul drainage will be available at the edge of each plot. Your Designer will arrange for your house to be connected to these services. All connection costs will be included in the house price they provide.

Back to the top

Q Will broadband be available?

Due to the World Heritage Site location satellite dishes are not permitted. However high speed broadband is available at Heartlands. Most of the major suppliers offer broadband in this location including BT, Sky, TalkTalk, EE and Plusnet through the BT phone line. Most include free connection costs as part of their service package, but please make your own enquiries.

Back to the top

Q What size homes and garden are available?

All homes will be at least 10% larger than nearby newly built homes*. See the Designer key facts summary for more information. Most gardens offer at least 50 square metres of outside space. See the plot details for more information.

*Based on Linden’s Home @ Heartlands and Boslowen developments.

Back to the top

Q How much car parking is available?

Each plot will be sold with a dedicated car park space and your membership of the management company (see below) will entitle you to a free car parking space in the Heartlands pay-and-display car park. Some spaces will be adjacent to the plot and some close by. If electric car charging or easy access to car parking is important please discuss this with agents Humberts and Redwood. Visitor spaces will also be available available in the development and on-street next to Heartlands Park, with additional parking within Heartlands’ pay-and-display car park.

Back to the top

Q Do the properties come with a warranty and can I get building insurance?

Once your home is completed your Designer will provide you with a 10 year warranty from a company acceptable to most mortgage lenders and insurance companies.

Back to the top

Q What happens if I am unhappy with the service I receive?

Creating your dream home is an important commitment by you. Carillion-igloo and the Designers attach the same importance to ensuring the process runs smoothly throughout. However if you do have any concerns about the service you receive at any stage please contact agent Humberts and Redwood or your Designer initially. If they are unable to address your concern satisfactorily they will refer it to Carillion-igloo. If we can’t resolve your concern, you can use the Consumer Code for Home Builders and a third party will make a binding decision.

Back to the top

Q Will there be noise from neighbouring businesses or Heartlands?

This development is located within an area that includes retail and industrial uses. The development has been designed in regular dialogue with neighbouring businesses, in particular the adjacent laundry, to reduce the noise either inside your homes or within your garden. This includes an acoustic wall around the laundry. Some homes will have taller garden fences, which will be clearly stated in your 'Plot Passport’.

Heartlands occasionally organises well attended events, including fireworks and gigs. These have to be approved by Cornwall Council to ensure they don’t cause excessive noise or other disruption to nearby residents and businesses. Heartlands Trust will give the Management Company (see below) advance notice of any events.

Back to the top

Q How will the development be maintained and will there be a service charge?

Most of the roads will be adopted and maintained by Cornwall Council. Similarly most of the drainage will be adopted and maintained by South West Water. Any costs of adoption will be included in the plot price. Some roads and drainage cannot be adopted and their maintenance will be the responsibility of the Management Company (see below). This will include the maintenance of the Village Green, the acoustic wall and a contribution to maintenance of Heartlands Park. These costs are being finalised but it is expected to be no more than £500 per year for each plot initially. The Management Company will be responsible for reviewing the costs each year and collecting service charge payments from residents.

Back to the top

Q Will there be a Management Company and what will its role be?

Residents have the option to join Carillion igloo as Directors of the management company. Once the development is complete Carillion igloo as Directors of the management company. Once the development is complete Carillion igloo will step down. Made up of residents. As well as taking responsibility for maintenance and service charge collection, the Management Company will organise events for the residents, liaise with Heartlands about its own events and generally take a lead on ensuring that a strong and successful community is formed. Carillion-igloo will provide support to the Management Company until it is up and running.

Back to the top

Q How much will Council Tax be?

Council Tax rates have not yet been calculated however it is predicted that they are likely to be in the region of Band D (approximately £1,550 per annum). Please note this information is provided only as guidance and should not be relied upon. More details of Council Tax rates can be found on Cornwall Council’s website.

Back to the top

Q If I would like to extend my home in the future how do I go about it?

Due to the World Heritage Site location plots do not benefit from ‘permitted development rights’ and you will need to apply to Cornwall Council for a ‘reserved matters’ planning application if you would like to extend your home in the future. However the Council should view favourably any proposals that comply with the Carillion-igloo’s planning permission, of which some of the key features will be included in your ‘Plot Passport’ (see above). Details of how to go about applying for planning permission are available on the Council’s website. If you know now that you are likely to want to extend your home in the future it would be worthwhile discussing this with your Designer so they can build that flexibility into your initial designs.

Back to the top