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  • Home
  • Community Led Housing
    • What is Community Led Housing? >
      • RouteMap
    • Case Studies
    • Climate Crisis
  • Housing
    • Current Opportunities
    • Future Opportunities
    • Surveys
    • Rural Housing Burden
  • Self Build
    • Scotland Self Build Loan Fund
    • Self Build Stories
    • Self Build Plots
    • What is Self Build >
      • Finding Land
      • Finance and Fees
      • Case Studies
    • Dr and Mrs J. Steven Faulds Memorial Fund
  • Projects
    • Rent To Buy
    • Strontian Community School
    • Greener Homes
    • Empty Homes
    • Woodland Crofts
    • The Glengarry Model
    • Long Lease
    • Key Worker Housing
    • Skills Development Programme
  • Tenants
    • TENANT INFO
    • Tenant Testimonials
  • News
    • Blog
    • Recruitment
  • Contact
    • Employee List
    • Complaints Procedure
  • Privacy Statement
    • Opt Out Page
    • Subject Access Requests
    • Withdrawal Consent Form

​FINANCE & FEES

Obtaining finance to undertake a self-build home can be challenging as it is considered a specialist area of lending, with a limited number of lenders operating in the Scottish market. Even then, each lender takes their own approach to lending and what works for one will not necessarily work for the others. Your own personal circumstances can affect who will be prepared to lend as will your proposed construction type. It is worth noting that if your build deviates from the perceived construction norm, i.e. cavity block or timber frame/block, your choice of lender and building insurer may be restricted.

Where you have been unable to secure self build finance The Scottish Government have provided a Self-Build Loan Fund to assist people seeking to get on the property ladder through the self-build process and subject to meeting various criteria. The fund is administered by Communities Housing Trust on behalf of The Scottish Government. Further details on the fund can be found at: Scotland Self Build Loan Fund

Each lender will differ in how payments are issued to the borrower, however most will lend in arears, which means that you will need to be very careful when preparing your cash flow to ensure that you do not run out of capital during the course of the build.

Fees

Land and Building Transaction Tax
Any plot purchase may be subject to the Land and Building Transaction Tax. This replaced Stamp Duty in Scotland on the 1 April 2015 and is administered by Revenue Scotland. Further details and full terms and restrictions,  please visit their website: Land and Building Transaction Tax

​
Planning Application Fees 
You must apply for planning permission before you progress your project. You can check your planning permission requirements here: Scottish Government Planning Permission Guides


You should however contact your own Local Authority (Council) to determine the specific planning requirements and to submit a planning application. Fees vary by Local Authority.

Building Warrant Fees
In Scotland it is an offence to start building without a warrant. An overview of the Building Warrant process can be found here: Scottish Government Building Warrant Guide  


You should however contact your own Local Authority (Council) to determine the specific building warrant requirements and to submit a building warrant application. Fees vary by Local Authority. 

Reclaiming VAT

VAT can be reclaimed on any new build.  To find out what is eligible to reclaim, please go to:
https://www.gov.uk/vat-building-new-home


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