Five affordable self-build plots on Elizabeth Crescent in Dornoch are seeking budding home-builders!

The plots are for sale at £25,000 each by Dornoch & District Community Association (DADCA), following a community asset transfer of land from The Highland Council.

Full planning permission has been granted on the plots, for homes up to 2 storeys high.

The plots will be allocated to prioritise local community residents who need a stable, long-term home.

The sale of the community-owned plots will generate income for DADCA to use on further community projects, supporting the ongoing sustainability of the Dornoch area.

The Communities Housing Trust (CHT), who have supported DADCA to acquire the plots, will allocate the plots independently, on behalf of DADCA.

CHT will also apply the Rural Housing Burden which applies a discount percentage to the plots. The Burden is a legal title condition which helps to ensure affordability in perpetuity, and prioritises local communities. This helps to protect housing stock for local residents, and limit second- and holiday-home ownership.

Prospective self-builders may also find the Self-Build Loan Fund useful. The Fund is a national scheme administered by CHT on behalf of the Scottish Government, to provide loans to people who have been refused mainstream self-build mortgage finance. Applications to the Fund are open until 31 August 2022.

Carol Mackay, co-chair of DADCA, said: “We are delighted to have secured this land as a community asset and to know that the plots will be made available at a discounted price to local families who meet the criteria set down by Communities Housing Trust.”

Ronnie MacRae, CEO of CHT, said: “We are delighted to be supporting DADCA in providing the plots, which will create permanent, local homes. Self-build is sometimes the only option in small communities where other options for housing is limited, and we’re pleased to be supporting several plots in Dornoch which will in turn support further positive community work in the area.”

​A full brochure and application form will be available soon. To express interest in the self-build plots, please register your details at: https://www.chtrust.co.uk/self-build-plots.html. 

In her visit to the town of Dornoch, a place where HSCHT has developed many new homes recently. In the past 12 months, we have completed 6 new homes in the area. The first two properties in Dornoch were built through our first phase of Rent To Buy properties, working with local contractor J & S Gunn. Both are now occupied, with 2 families now been given the opportunity to own their own home after renting the property for 5 years before purchasing at a reduced, below-market price.  This is made possible by the attachment of a Rural Housing Burden to the property.

Since 2013, the Scottish Government has issued over £7 million to our Rural Rent to Buy scheme, as we continue to develop affordable housing throughout the Highlands.

Right next door to these properties are two new homes developed for the Highland Council through the Greener Homes Initiative. These properties have recently been completed very recently this year and have already been allocated to residents who have now moved into the properties. The Minister got the chance to not only meet these residents, but also view the inside of the homes.

Rent to Buy and Greener Homes projects are being developed across the Highlands thanks to an innovative partnership between Scottish Government, Highland Council and HSCHT.  The various schemes that have been developed through funding from the Scottish Government, have not only provided the Dornoch with new varying types of affordable housing solutions, but has also allowed for new members of the community to get on the housing ladder.

This innovative project is being driven by the community in order to provide community owned housing to ensure the future sustainability of the area. All statutory housing provision in the last 30 years has been provided in neighbouring villages, which has been detrimental and has led to out-migration from the community. Helmsdale went 35 years without any new affordable housing being made available for rent, and held a desire to solve this, as well as the aging demographic of the village.

HSCHT helped with this project in a number of ways. This included community engagement and facilitation, a local survey, initial project feasibility ans desktop funding options, negotiations with landowners and the local authority and the initial fundraising – a key challenge for the community in order to obtain the vision for this new project.

By partnering the Local Authority, local RSL along with guidance from HSCHT, Helmsdale community were able to deliver a feasible and practical solution to meet their longer term housing needs – four brand new rented homes to be managed by Albyn Housing Association using policies agreed with the Highland Council.

Helmsdale is part of the Growth at the Edge initiative by Highlands and Islands Enterprise. A local development officer consulted with the community through a series of open days and has produced a document “Shaping our future together”. In this housing features as a high priority for local people. Creating new community housing here will help make the community more sustainable:

Economic benefits:

• Provide construction work (local workforce preferred)
• Possibility of combining training in construction opportunities along the lines of the Cairngorm Construction Skills Project (managed by HSCHT)
• Sustain key workers i.e. carers, heath workers, teachers, estate workers
• Provide low cost home opportunities for young families who can spend in the local economy – shops/hotels/post office etc.
• Build on tourism and other growth sectors i.e. renewables
• Unemployment in the area is consistent – with no unfilled vacancies in the area (Nov 09) while 27 people in Helmsdale alone were receiving Job Seekers Allowance (in 2008).
• 12% of the households earn less than £10,000 annually. Highland average of 10% (CACI 2007)

 Social benefits:

• Improve the demographics of the community (currently over 50% of the population is over 50 years old)
• There is a marked absence of people in the 16-29 age group – new housing would help retain some of this age group
• From 2001 to 2008 the population has declined by 7.4% whereas the population for Highland has increased by 5%. New housing would help reverse this trend.
• As with the aging population the dependency on the health service increased – Helmsdale has the second highest rate of self-reported illness in Highland with 22% having a limiting long-term illness. There is a great need to retain younger people to prevent the decline of this community.

The local development group and community association gain skills and expertise from being involved in the delivery of this project to use on other projects i.e. partnership working, contact with the LA, grant applications, researching community need, consultation, financial planning etc.

There are a range of other benefits this project created including:

Community/Social

• Allows for a more mixed tenure community by providing an option between rented and full market housing.
• Redresses the outward migration of young families
• Creates sustainable communities
• Provides training and work opportunities for local unemployed
• Increases skills and income opportunities
• Reduces anti-social behaviour
• Retains the option of informal care. Young looking after old at no cost to state
• Healthier community by reducing those in BTS housing

Environment

• Local materials used as much as practicable
• Local labour used as much as possible to reduce transport pollution
• All timber felled on site will be used on site (fencing, wood stores and play equipment etc.) which will prevent extraction and importing of timber.
• A footpath and cycle link with the main village will reduce car use
• Efficient wood burning stoves are carbon neutral
• Solar panels assist with hot water provision in summer
• Growing own produce on site helps the environment

Economic

• Local labour used where possible
• Local materials through local suppliers
• Training project will help increase income opportunities
• Training project will help increase household incomes and reduce rent arrears
• Options for working from home will promote entrepreneurial development
• Self-sufficiency will increase disposable incomes
• Reduced fuel poverty will increase disposable incomes

Wider benefits

• Design guides can be produced for sustainable and affordable houses
• Best practice for developing on difficult sites will be developed
• The heating solutions used will be a helpful addition to options in affordable housing
• This will provide an alternative option for sustainable site and community development in rural areas

The day was a great success, and was seemingly enjoyed by all. Not only did Margaret Burgess perform the official opening ceremony of the Helmsdale & District Community Owned Housing Project, acknowledging the great success and work of the community, but it also allowed HSCHT to showcase the work we do throughout the Highlands.

If you would like any more information on these or any other projects we have worked on, please get in touch at [email protected].
Alternatively, should you be interested in how we can help you or your community, call us on 01463 233549.

Dornoch

Recently we have had a mass increase in the provision of affordable housing in the Dornoch area. Having originally provided 2 semi-detached properties through our first phase of Rent To Buy developments, we are on our way to completing a further two homes as part of our second phase of Rent To Buy.

Our first of these developments was built by J & S Gunn Ltd. – two x three bedroom semi-detached properties completed in September this year. This project was done as part of our first phase of Rent To Buy homes. Both are now occupied, with 2 families now been given the opportunity to own their own home after renting the property for 5 years before purchasing at a reduced, below-market price.  This is made possible by the attachment of a Rural Housing Burden to the property.

                                                                                                                         Rent To Buy Phase 1, Dornoch

Rural Housing Burden – A means of protecting the original discount offered on the home.
If you buy a home of ours which has this attached, you will still have full title to the property, although HSCHT holds a pre-emption right. Whilst you can pass the home onto your children, if you decide to sell it, this right of pre-emption which gives HSCHT the option to buy is back for the previously agreed equity share. This allows us to keep our house prices low, and maintain our ability to provide housing to families who may otherwise struggle to own their own home.

Nearing completion, and available for occupation early in the new year, we have 2 semi-detached bungalows, complete with front and back garden and off street parking. These houses are available to local families and individuals through the second phase of our Rent To Buy Scheme.

                                                                                                                                  Rent To Buy Phase 2, Dornoch

The properties have been built by Pat Munro, as part of their large Deans Park development of new housing of various types in Dornoch. The great new homes – which tie in with the rest of the brand new modern housing and street development – include a spacious, open plan lounge and kitchen, two bedrooms and a bathroom. In the final stages of construction, these properties are yet to be assigned; so if you are interested in applying, contact us about an application or brochure.

Due to be complete in February next year, we have also managed to introduce another two homes by J & S Gunn Ltd. through the Greener Homes Initiative – adjacent to the homes they previously built for us as part of our original Rent To Buy scheme.
These Greener Homes are being developed for the Highland Council. The tenants for these properties will be selected from the Highland Housing Register – a register shared between the Highland Council and registered social landlords around the Highlands compiled of anyone in the area seeking social rented housing.

The Greener Homes Initiative -
Following a successful bid from HSCHT and the Highland Council, through the Scottish Governments Greener homes Initiative (GHI), funding was secured to provide 20 units throughout the Highlands. While 13 of these units will be provided by HSCHT, a further 7 will made available by the Highland Council.
The Initiative aims to encourage modern sustainable and environmentally friendly developments, by providing funding to projects which make use of greener technologies, modern methods of construction carbon friendly materials.

Alness

We are also working with Pat Munro in the town of Alness, to deliver four new homes through the Greener Homes Initiative. Located in Newfield, Alness, these four semi-detached two bedroom bungalows can be purchased at a low fixed price now due to the attachment of a Rural Housing Burden.

While two of the properties in this scheme have already been completed and assigned to happy tenants, we are still taking applications from people who are interested in moving into the remaining two Greener Homes, which we are due to take handover of the second week in January.

We are currently taking applications for both the Pat Munro ‘Rent To Buy’ properties in Deans Park, Dornoch, as well as the new ‘Greener Homes’ being developed by them in Alness.
If you are interested in any of these schemes, get in contact to receive a brochure and application form. Contact me at [email protected]