HomeMade™ Custom Build

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Q How do I reserve a plot?

The first phase of 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.

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Q Can I choose any Designer on any plot?

Yes you can choose any Designer on any plot.

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Q Will there be show homes?

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

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Q Can I buy more than one plot?

You can certainly buy two adjacent plots for you and a family member to live in two houses. The planning permission requires each plot to contain a seperate home so on most of the site you cannot buy two plots for a single large home. However there are two locations in later phases where it might be possible to merge 2 plots together, subject to planning. Please contact us for a further discussion about this. 

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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.

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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 £295,000 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 your approvals are in place. 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.

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 £1,100 plus VAT for an experienced conveyancing solicitor (see below) including local searches.
  • 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.

We do not anticipate VAT or Stamp Duty Land Tax being added to the cost of your plot. VAT will also not be added to most of the build cost, although some items like carpets may attract VAT. Your Designer will explain more.”

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

After reserving your plot you have around 2 weeks to choose your Designer and complete your personal finance check (see below). You will need about six weeks to agree your design. Allow a further 12 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 around 9 months. Having some of your home built in a factory reduces potential delays from bad weather.

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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 - see the Key Facts Summary - and will let you know any additional cost for further meetings.

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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 agents Redwood and Designer. We will be as flexible as possible. 

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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) 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 with mortgage lenders through independent financial advisor BuildStore.

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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. 

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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. Help to Buy is available.

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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.

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

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.

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Q When will I own the property?

You will own the plot prior to the build starting. If you need a mortgage the lender will release the funds to you in stages to fund payment to igloo for your plot and your Designer's builder partner for the build. Independent financial advisor Buildstore can advise you in more detail on the lending arrangements.

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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. Agents Redwood will put you in touch with them at the appropriate stage.

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Q What services will be available to each plot?

Electricity, gas, water and mains sewage 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.

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Q Will broadband be available?

Due to the World Heritage Site location satellite dishes are not permitted on the front of properties. 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.

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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.

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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 second free car parking space in the Heartlands pay-and-display car park. Some spaces will be adjacent to your plot and some close by. If electric car charging or easy access to car parking is important please discuss this with agents Redwood. Visitor spaces will also be available available in the development and on-street next to Heartlands Park, with additional parking within the Heartlands’ pay-and-display car park.

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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 Buildzone, or another company acceptable to most mortgage lenders and insurance companies.

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

Creating your dream home is an important commitment by you. igloo and the Designers attach the same importance to ensuring the process runs smoothly throughout. However if you have any concerns or complaints that we cannot address you can talk to a third party. Find out more here.

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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 slightly taller garden fences, which will be clearly stated in your 'Plot Passport’.

Heartlands occasionally organises well attended events, including fireworks and music 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.

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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 soon to be created Village Green and a contribution to maintenance of Heartlands Park. These costs are being finalised but it is expected to be about £500 per year for each plot initially, rising each year by inflation. The Management Company will be responsible for collecting service charge payments from residents.

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

Residents have the option to join a representative of igloo as Directors of the management company. 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. igloo will provide support to the Management Company until it is up and running.

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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.

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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 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 reserved matters approval 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 now so they can build that flexibility into your initial designs.

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