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Finding land

Building plots are extremely hard to acquire. Take into account your new home's dimensions, car parking space, garden, area you want to live in, children's schooling and other local amenities that you require.

Estate agents are a good source of local knowledge, followed by property auctions, local newspapers and magazines such as Build It, available online or from some branches of W H Smith and professionals within the building industry.

Other options include using a plot finding service such as Buildstore's PlotSearch. PlotSearch can find you a plot of land or a building for renovation and by using them you can also gain access to the National Building Plot Register, Britain's largest and most accurate land database. Another popular choice for finding a plot of land is by using the Landbank Services database.

Good plots of land sell quickly as builders and developers are always on the lookout for prime sites. Searching the planning records of district councils is another way to find your plot.

Planning permissions

Now you have found a plot of land you need to find out whether it has planning permission and what the different types of permission mean.

Outline Planning Permission (OPP) means agreement in principle from the local planning department that you can renovate or convert an existing building or construct a new house. Detailed Planning Permission (DPP) means that a house can be built in terms of plans that have already been submitted and agreed by the local planning department.

You must ask for details of the planning permission, as there will always be conditions attached. Also be aware that sometimes sites will be advertised for sale when in fact they may be a field or part of a garden that the owner hopes will obtain planning permission at some future date. Sometimes permission has lapsed. This means that permission was granted previously, it does not guarantee that permission will be renewed or that a new permission will be granted.

Legal issues which your solicitor will need to discuss with you, prior to exchange of contracts will include such things as planning and any restrictions, building conditions, easements, way-leaves and servitudes, rights of access, conditions of title, environmental issues etc.

 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
2.59% 2 years 5.69% 5.4% APR 75% £999
2.69% 2 years 4.99% 4.9% APR 75% £495
2.94% 2 Years 5.69% 5.4% APR 75% £199
2.99% 2 years 4.99% 4.9% APR 85% £495
2.99% 3 years 4.99% 4.6% APR 70% £499
3.0% 2 years 5.69% 5.5% APR 80% £999
3.19% 5 Years 4.79% 4.2% APR 80% £995
3.35% To Jul 2014 4.95% 4.6% APR 75% £999
3.5% 2 years 5.49% 5.1% APR 75% £595
3.84% 2 years 3.94% 4% APR 90% £499

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