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Friday , August , 18 2017

Low Cost Housing Scheme

We work with private developers to secure discounted sale properties on new housing developments. The properties we negotiate depend on the location of the development and the identified housing need in that area.  Most of the properties are sold at 70% of the full market value to qualifying applicants; although the discounts are smaller on some older schemes.  Homes bought this way are secured via a Section 106 Agreement which means the house will never be sold at full market rate.  If you are not absolutely sure about how the s106 agreement would affect you, or what the different clauses mean, you should consider seeking the advice of your own solicitor.

Who can buy these properties?

You must apply to the Council for these properties and would usually need to:

  • demonstrate in financial terms that you require the discount on the property in order to afford it, and
  • have a local connection to the parish, ward or district.

How to apply

You must complete an application form for Low Cost Housing and be registered on our waiting list. You can Either:

  1. Complete our Online Electronic Form
  2. Download the Application Form on the right and post or email back to us
  3. Request one by email [email protected]
  4. Telephone 01228 817079.

In addition to your application form, we will require:

  • Payslips (last two months or eight weeks if paid weekly)
  • Evidence of savings (must be recent)
  • Details of bank/building society statements from all current account/s (last two months)
  • Decision in Principle or Mortgage Certificate

All information you provide will be treated as strictly confidential. We may also ask for further information depending on what is detailed in the application form.

What's available

Address Property Type Open Market Value Discount Value Marketed with
NEW BUILD Plot 11 Speckled Wood 2 Bed Grd Floor Apartment £107,136 £74,995 *Persimmon Homes
NEW BUILD Plot 15 Speckled Wood 2 Bed 1st Floor Apartment £109,995 £76,995 *Persimmon Homes
NEW BUILD Plot 17 Speckled Wood 2 Bed 2nd Floor Apartment £114,279 £79,995 *Persimmon Homes
86 Edenside, Cargo 2 Bed House £137,500 £110,000  *Cumbrian Properties ELA Ltd
139 Glaramara Drive 3 Bed House £158,000 £110,600 *HomeSearch Direct (Carlisle) Ltd
85 Lowry Gardens 2 Bed 1st Floor Apartment £120,000 £84,000 *Cumberland Estate Agents Ltd
50a Turnstone Drive 2 Bed House £125,000 £100,000 STC
18 Teasdale Place 3 Bed House £168,570 £117,999 *Cumberland Estate Agents Ltd
28 Victoria Road 2 Bed House £87,500 £70,000 *Cumbrian Properties ELA Ltd
33 Richard James Avenue 2 Bed 1st Floor Apartment £123,000 £92,250 *Vicinity Estate Agents

* If you would like to arrange a viewing or require further details on any of the above properties, please contact the Estate Agent/Developer directly.

Self-Build and Custom Housebuilding

The Council has set up a register for people, or groups of people, interested in building or commissioning their own homes. Custom/ self-build housing is defined as: “Homes built or commissioned by individuals or groups of individuals for their own use, either by building the homes on their own, by employing builders or buying bespoke designs from a developer”. If you are interested in joining the register or finding out further information, please click here

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