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Sunday , November , 27 2022
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Low Cost Housing Schemes

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 Section 106 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 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 e-mail back to us
  3. Request one by e-mail [email protected]
  4. Telephone 01228 817079

In addition to your application form, we will require:

  • Proof of ID i.e. Passport or Driving Licence.
  • Last two months payslips (eight weeks if paid weekly).
  • Evidence of savings (must be recent).
  • Last two months bank/building society statements from all current account/s. 
  • Decision in Principle or Mortgage Certificate  IMPORTANT NOTE: The mortgage advisor/lender must be made aware that the property is subject to a Section 106 Agreement. 

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.

Government Advice on Viewing Properties During the Covid-19 Pandemic

The Government's recommendations on viewing properties safely during the Covid-19 pandemic are included in the following link:

What is currently available

Address Property Type Open Market Value Discount Value Marketed with

NEW BUILD Plot 2 Rectory Road, Castle Carrock

2 Bed House £227,500 £159,250 SOLD STC
Heron Drive 2 Bed House £135,000 £108,000 SOLD STC
Richard James Avenue 3 Bed House £200,000 £150,000 reduced to £140,000 *Cumbrian Properties
Lowry Gardens 2 Bed Apartment £127,200 £89,000  
Hanson Place, Warwick Square 2 Bed Apartment £156,000 £109,200 *Homesearch Direct
Southwell Square 2 Bed Apartment £125,000 £87,500 *Hunters
NEW BUILD Plot 263 Tarraby View 3 Bed House £160,000 £112,000 *Persimmon Homes
Cavaghan Gardens 3 Bed House £140,000 £98,000 SOLD STC
Turnstone Drive 2 Bed Apartment £120,000 £96,000 *Northwood
NEW BUILD Plot 18 Speckled Wood 3 Bed House £180,000 £126,000  
Arnison Close 3 Bed House £172,500 £120,750 *Hayward Tod Associates

* 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

Home Reach / 'Heylo' Housing Shared Ownership

If you are interested in shared ownership housing - a part-rent / part-buy scheme where someone purchases a share in a property and pays a rent on the remainder - there are properties available through Home Reach / Heylo Housing on a number of developments in Carlisle.  Further information on the scheme is available on Heylo's website  

For details of the shared ownership properties available, including an electronic form if you would like to register an interest, please click here.  

Alternatively, the sales office telephone numbers are:-

Tarraby View (Persimmon Homes) - 01228 586794 or 586795

The Coppice (Taylor Wimpey) - 01228 586828

Greymoor Meadows (Gleeson Homes) - 07811 976700

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