Abode 2021 redesign visual

HOME BUILDING

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PROJECT PL ANNING

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INTERIOR DESIGN

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FURNITURE

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ISSUE 03 | 2021

Home of the year 2021 PERFECT PLANNING

WINTER GREENS

Top tips on planning various home improvement projects

The colour of the season and how to make it work for you

Self

build heaven

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08 Finding land 09 Planning permission 12 Finance 14 grants 17 VaT 19 architects 22 Timber frames 23 SiPs 25 design 29 Roofing 30 Logistics 33 energy 35 air-source heating 36 Wood burners 39 Utilities 40 Lofts 44 décor 45 Carpets 46 Kitchens

UK KITCHEN RETAILER OF THE YEAR 2019

48 Kitchen & bathroom Showcase

UK KITCHEN SHOWROOM OF THE YEAR 2019 ABERDEEN BROXBURN EDINBURGH GLASGOW TILLICOULTRY

www.kitchensinternational.co.uk 2|

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54 gardens On the cover: The Briongos Mackinnon house at Strathaven Airfield by Richard Murphy Architects. abode magazine |

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PainTing & deCoRaTing

Seaweed infusion Isle of Skye paint Company are on-trend for autumn

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his autumn, Isle of Skye Paint Company are extending their range with the addition of 15 new colours. Having had their official UK launch just 12 months ago, the new seaweed-infused premium paint brand now has a palette of 45 shades of Skye.

Inspired by the dramatic and awe-inspiring landscape, seasons, weather and landmarks of Skye, the new and existing colours reflect many of this season’s big trends.

Developed and tested on this rugged and exposed island, Isle of Skye Paint promises to bring the beautiful and resilient Spirit of Skye into your home.

trends; from the deep blue hues of Sgurr Alasdair and the vivid lilac of Trotternish Heather, to the punchy red tones of Bracadale Berry and Red Cuillin and the beautiful warm yellow of Waternish Sunset, the palette exudes confidence.

The neutral colours, which can be used alone or as a contrast to the stronger shades are well represented in the range too, with soft snug tones like the timeless beiges of Camasunary Pebble and Coral Beach.

reflecting the autumn trend for sophisticated bold colours…

So, why seaweed? It’s a brilliant natural thickening agent – common in marine paints but not household ranges – making Isle of Skye Paints easy to apply, and providing excellent, even coverage.

A decorator with over 20 years’ experience, Alasdair Campbell, created the paint to stand up to Skye’s wild climate, commenting that ‘knowing our paint works here, we know it will work anywhere’.

Isle of Skye paint Company has a variety of strong shades that can be combined in endless variations, reflecting this season’s big

Why seaweed?

all products are water-based and come in tester pots, 750ml, 2.5 & 5-litre tins from isleofskyepaintcompany.co.uk. see website for stockists across scotland.

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A cottage full of compliments The Wee House Company is winning fans with its characterful and well-thought out range of homes

O Make your dream home a reality With a specialist Self-Build Mortgage from the Scottish Building your dream home can be incredibly rewarding. But it takes plenty of hard work too.

That’s why it’s important to choose a mortgage provider who’ll support you every step of the way.

With a Self-Build Mortgage from the Scottish, funds are released in stages as the work progresses. And, we can help you with your plans, budgeting, and offer advice on many aspects of the process.

Flexible staged release mortgage Borrow up to 80% of the total land and construction costs or valuation (whichever is lower) Expert assistance and underwriting

To find out more, call us today on 0345 600 4085 or visit scottishbs.co.uk

wners, visitors and neighbours alike have been showering compliments on a new cottage that arrived in a day in the village of Barcaldine - one of the latest of The Wee House Company projects completed in Argyll and the islands.

Like people across the UK they have all fallen for the charms of the characterful small house with the big personality.

Gabriella MacKenzie and husband George decided on a twobedroom version of a Wee House after thinking long and hard and studying the market. With her work involving a lot of travelling, Gabriella kept spotting Wee House Company properties and was intrigued ‘We could have gone for a modern look with glass walls but the Wee House looked right for the plot we had and the old trees around it,’ said Gabriella. ‘Its neighbours and people who live in Barcaldine all say that the cottage looks as though it has always been there. It looks right in that landscape.’

The Ayrshire-based company designs its homes to be built in the workshop and assembled and finished on site. Its inhouse team arrives and works their magic. ‘It was an amazing experience. The house arrived on three lorries; the crane arrived and the team started at 8am and by 8pm it was up, weather and watertight. Within 10 days it was finished.’

From start to finish The Wee House Company can take as little time as eight weeks to complete; they also take care of everything in-house in more ways than one, from planning consent and the necessary building warrants plus construction and ground works.

Gabriella added: ‘They are an excellent company to work with, I couldn’t recommend them highly enough.’

There is not an inch of wasted space in the houses which include fitted kitchen and bathrooms and are decorated inside and out.

The houses are built to the highest specifications of safety, sustainability and insulation making them incredibly energy efficient. The Wee House Company properties are mortgage

eligible and are becoming a very popular choice with downsizers, garden-plot builders, first-time buyers and holiday lettings.

The Wee House Company has designs which can be amended to suit your needs and taste.

‘We worked really closely with them,’ said Gabriella. ‘We kept the outside shape but chopped and changed the interior and they could not have been more helpful.’

For the moment Sutherland’s Lodge is part of the family’s Highland Holidays Cottages portfolio but the MacKenzie’s have their eye on it for their own retirement.

‘People who have hired it have given us very good feedback said Gabriella. ‘They are very complimentary and are amazed that a property which looks so traditional on the outside is so modern, comfortable and cosy on the inside.’

The Wee House at Barcaldine is also proving popular with try-it-before-you-buy-it customers coming for a holiday while researching their property purchase.

Rewarding Membership Branches in Edinburgh • Glasgow • Inverness • Troon • Galashiels • Aberdeen Plus local agents across Scotland Scottish Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No. 206034).

Member of the Building Societies Association and UK Finance. Scottish Building Society, SBS House, 193 Dalry Rd, Edinburgh EH11 2EF.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Turn me on Light up your room with these fabulous fittings

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Visit us instore and online to view our extensive range of Lighting, Mirrors and Artwork.

We pride ourselves on excellent customer service and our happy customers return not only for our stunning choice of lights, but also our friendly, expert advice.

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Visit us in Scotland Aberdeen . Braehead Dunfermline . Livingston Perth . Tillicoultry Uddingston

1. name of light, £PRiCe www.website.com 2. name of light, £PRiCe www.website.com 7

3. name of light, £PRiCe www.website.com

Visit us in England Bolton . Colne Dalton Park . Doncaster Leeds . Preston Sheffield . Newcastle Walsall . Warrington

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4. name of light, £PRiCe www.website.com 5. name of light, £PRiCe www.website.com 6. name of light, £PRiCe www.website.com 7. name of light, £PRiCe www.website.com

www.pagazzi.com

8. name of light, £PRiCe www.website.com Rocamar Copper Argenta Table Pendant & Floor- Lamp

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Designing ‘quality & resilience’ Your architect is not just designing your dream home; in doing so they are helping fight climate change

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From top: The Briongos Mackinnon house at Strathaven Airfield by Richard Murphy and Peter Hunt of Richard Murphy Architects; Raining’s Stairs, Inverness, designed by Trail Architects for Ark Estates.

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he Royal Incorporation of Architects in Scotland (RIAS) is putting the climate emergency at the heart of its new five-year strategy.

RIAS president Robin Webster told a meeting of members, the ‘RIAS Inspiring’ strategy comes in the wake of a refresh at the architectural body.

Details of the new strategy are being unveiled at the RIAS ‘Climate of Opinion’ convention in October in Edinburgh together with the announcement of the Student Awards and Andrew Doolan Best Building in Scotland Award.

‘This has given us the opportunity to review our priorities and agendas,’ the RIAS said.

The organisation added: ‘RIAS trustees were able to confirm that they have also given their support to further discussions with partners and stakeholders about the delivery of public development with concerns about procurement to achieve quality and resilience in Scotland’s built environment.

‘This work will also ensure that our architects and members are at the forefront of discussions about sustainable futures for people in their Scottish urban and rural environments.’

With so many energy-saving and efficient materials and systems available now, an architect can help you design the best and most cost efficient home for your needs and less energy used means good news.

Designs can also help properties withstand the increasing extremes in weather. Professor John Cole CBE Hon FRIAS, who chaired this year’s judges said: ‘The journey to view the 19 shortlisted projects, which, within a hectic but rewarding three-day period, took my fellow judges and myself through the intriguing Scottish borders, the self-confident central belt, and the glorious landscapes of the highlands and islands, was for all of us a reaffirmation of the fundamental importance of the ability of architecture at its best to positively influence the lives of individuals and communities.’

The Royal Incorporation of Architects in Scotland (RIAS) each year bestows awards for the best work including one of the world’s most significant prizes, the RIAS Andrew Doolan Award for Architecture to celebrate the best buildings in Scotland.

The winning architects will receive £25,000, making this the largest architectural prize in the UK. Details of the new strategy are being unveiled at the RIAS ‘Climate of Opinion’ convention in October in Edinburgh together

with the announcement of the Student Awards and Andrew Doolan Best Building in Scotland Award.

‘This has given us the opportunity to review our priorities and agendas,’ the RIAS said.

The organisation added: ‘RIAS trustees were able to confirm that they have also given their support to further discussions with partners and stakeholders about the delivery of public development with concerns about procurement to achieve quality and resilience in Scotland’s built environment.

‘This work will also ensure that our architects and members are at the forefront of discussions about sustainable futures for people in their Scottish urban and rural environments.’

With so many energy-saving and efficient materials and systems available now, an architect can help you design the best and most cost efficient home for your needs and less energy used means good news.

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PED EN & PRI N G LE

Designer focus meet the minds behind the design

designer name Pit accuptatem. et fugit iuntio. musaniste vendus aut veliquis as sequaest lanihil illorem con eatio. Sedi blaut oditini ssimoluptat? Pudi ande velliquat. Voloris que que alitae coriaecto optur aut voluptam eaquodis re aliquiditi cum cus soluptur ad quis deroreraest, tecepresedit pos magnim is. Tel: 01234 567890, website.co.uk

designer name Pit accuptatem. et fugit iuntio. musaniste vendus aut veliquis as sequaest lanihil illorem con eatio. Sedi blaut oditini ssimoluptat? Pudi ande velliquat. Voloris que que alitae coriaecto optur aut voluptam eaquodis re aliquiditi cum cus soluptur ad quis deroreraest, tecepresedit pos magnim is. Tel: 01234 567890, website.co.uk

designer name Pit accuptatem. et fugit iuntio. musaniste vendus aut veliquis as sequaest lanihil illorem con eatio. Sedi blaut oditini ssimoluptat? Pudi ande velliquat. Voloris que que alitae coriaecto optur aut voluptam eaquodis re aliquiditi cum cus soluptur ad quis deroreraest, tecepresedit pos magnim is. Tel: 01234 567890, website.co.uk

T R U LY B E S P O K E K I TC H E N S

CHELSEA McLAINE Interior Design

76 Hyndland Road, Glasgow, G12 9UT T: 0141 357 4007

www.chelseamclaine.co.uk

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0131 629 1771 hello@pedenandpringle.com Peden & Pringle Ltd, The Design Studio, 58 Bridge Road Colinton Village, Edinburgh, EH13 0LQ www.pedenandpringle.com

designer name Pit accuptatem. et fugit iuntio. musaniste vendus aut veliquis as sequaest lanihil illorem con eatio. Sedi blaut oditini ssimoluptat? Pudi ande velliquat. Voloris que que alitae coriaecto optur aut voluptam eaquodis re aliquiditi cum cus soluptur ad quis deroreraest, tecepresedit pos magnim is. Tel: 01234 567890, website.co.uk

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THE SEASON FOR

SHARING

MILANO DINING TABLE, FROM FROM £1,189 I ADELAIDE CHAIR, FROM £559

KiTchen & BaThrOOM S

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Make your holiday season even more memorable with prizes of Danish design. Simply share your seasonal moments throughout November and December, using #BoConceptSharing, for chances to win high-value vouchers.* So, what is a seasonal moment?

A festive dinner party perhaps. Your stylishly decorated Christmas tree. Coffee and a novel in your ‘hideaway’ armchair. Essentially, anything that encapsulates the season for you.

Find inspiration now in your local store and boconcept.com. *See terms and conditions at boconcept.com.

D AN I SH DESIGN S INCE 1952 | BO CO NCE P T. CO M RO S E S T R E E T, E DI NB UR G H. 0131 226 6367 BU C H A NAN GAL L E R I E S AND P RIN C ES SQUARE, GLASGOW. 0141 341 4920 I N G R A M S TR E E T ST OR E COM IN G SOON

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DISTILLED MAGAZINE| abode magazine

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Interior design studio & retail experience 8 North West Circus Place Edinburgh EH3 6ST 0131 247 8010 @jereysinteriorsed ww www.jereys-interiors.co.uk

A homely welcome P

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2. Quatione pdienatur ut pubis consustiam perei publia As volectium ipsam estia eata quatione eosam. Aximet a sus ex et ut magnam sit ut autempo rporat. Rae voluptatia quas repro eicium quibus reium de non.

3. Quatione pdienatur ut pubis consustiam perei publia As volectium ipsam estia eata quatione eosam. Aximet a sus ex et ut magnam sit ut autempo rporat. Rae voluptatia quas repro eicium quibus reium de non.

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KiTchens inTernaTiOnal no matter your space, we can design a kitchen that will fit perfectly

the brief

UK KITCHEN RETAILER OF THE YEAR 2019 UK KITCHEN SHOWROOM OF THE YEAR 2019 ABERDEEN BROXBURN EDINBURGH GLASGOW TILLICOULTRY

www.kitchensinternational.co.uk 20 |

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Soluptibus iur? abor mo bere ped evendes sitatur, seque pe quunt, vent laboremque quis quis

exerumque dolore nonsendus expeles ulluptatem fugit quibusam debit vent volor sam qui blam facias es seque niscient ventur? abo. Cumquis voloritasi di occabor as comnis dolectiatis quiae pra doluptae. neque asperum fugitas expellat acculpa in cus. obitatiuris ne coriore quatumquatat antem quiam eosto debis inum eiuntorrum andi vella vid molupta tionsecusam fuga. Um eatem dellibus re, ut arciist eatibustio volupta tiunt.

Ferum as ea dellore dolecusam aut re nihiciaepedi odicias et laboribus aut aspeliquia quis aut remped eosse estiur maiorendia nobitio nsequae et facessum as aut libus eaquaspel molor aut ligendandae. itate nobitem. laborro quaestibus nonseditatem abode magazine |

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clive christian

from the designer Solum fuerum re ta restrae, ure presciamplin vatusse que etrisse ret, tus, deps, pro vistrit. C. Vis firit furei tam orio, quit. Ex nemus fac faudacienius cure iu eo, ut fit ad re tus, tem iam morae num nonsultore eludet essicam es ex sultur lossid re ac fur, coenat publiiste, nondion situam di, confiribus ina, C. Servive rivitil consil ununite retrum, sulessuam nonstrunte et vivivid epsedeeste quo ublius vidit; Cat, templis senditra tatod faciemunte nos fitamquon densuliame.

En deo vilisque vilicie ndienatur ut pubis consustiam perei publia As volectium ipsam estia eata. .quatione eosam.

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At Clive Christian Furniture Co. we bring together the finest materials, traditional artisanal craftsmanship, and an approach that’s wholly bespoke

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tionsecusam fuga. Um eatem dellibus re, ut arciist eatibustio volupta tiunt.

Ferum as ea dellore dolecusam aut re nihiciaepedi odicias et laboribus aut aspeliquia quis aut remped eosse estiur maiorendia nobitio nsequae et facessum as aut libus eaquaspel molor aut ligendandae.

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Xerorro moluptatqui sunt volorum quamus dolende nditat reptaererum utem quate volorum. abode magazine |

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THE SEASON FOR

SHARING

A chef’s paradise our suggestions to turn your kitchen into your own little slice of heaven

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4 MILANO DINING TABLE, FROM FROM £1,189 I ADELAIDE CHAIR, FROM £559

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01. name of light, £PRiCe www.website.com

Make your holiday season even more memorable with prizes of Danish design. Simply share your

02. name of light, £PRiCe www.website.com

win high-value vouchers.* So, what is a seasonal moment?

03. name of light, £PRiCe www.website.com

A festive dinner party perhaps. Your stylishly decorated Christmas tree. Coffee and a novel in your

04. name of light, £PRiCe www.website.com

seasonal moments throughout November and December, using #BoConceptSharing, for chances to

‘hideaway’ armchair. Essentially, anything that encapsulates the season for you.

Find inspiration now in your local store and boconcept.com. *See terms and conditions at boconcept.com.

6

05. name of light, £PRiCe www.website.com 06. name of light, £PRiCe www.website.com

D AN I SH DESIGN S INCE 1952 | BO CO NCE P T. CO M RO S E S T R E E T, E DI NB UR G H. 0131 226 6367 BU C H A NAN GAL L E R I E S AND P RIN C ES SQUARE, GLASGOW. 0141 341 4920 I N G R A M S TR E E T ST OR E COM IN G SOON

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REMARKABLE BATHROOMS UNREMARKABLY PRICED

vicTOr Paris BaThrOOMs Your bathroom is an important part of your home. Victor Paris creates solutions to fit your bathroom requirements perfectly

the brief

Yes you can afford that WOW bathroom! At Victor Paris you’ll find a huge choice of stunning bathrooms to suit all budgets. From walk in showers and steam rooms, to space saver suites, you’ll find we have everything.

Plus your ideal bathroom needn’t cost you a fortune. Simply visit one of our showrooms today and see for yourself. You won’t leave disappointed.

DUNDEE, 92 Albert Street, Dundee DD4 6QH EDINBURGH, 178 Dundee Street, Edinburgh EH11 1DQ GLASGOW, 60 Washington Street, Glasgow G3 8AZ

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JANUARY

SALE NOW ON

Solum fuerum re ta restrae, ure presciamplin vatusse que etrisse ret, tus, deps, pro vistrit. C. Vis firit furei tam orio, quit. Ex nemus fac faudacienius cure iu eo, ut fit ad re tus, tem iam morae num nonsultore eludet essicam es ex sultur lossid re ac fur, coenat publiiste, nondion situam di, confiribus ina, C. Servive rivitil consil ununite retrum, sulessuam nonstrunte et vivivid epsedeeste quo ublius vidit; Cat, templis senditra tatod faciemunte nos fitamquon densuliame.

En deo vilisque vilicie ndienatur ut pubis consustiam perei publia As volectium ipsam estia eata quatione eosam.

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inusapiet am auda volorit eumqui doloriorum quamet quam dolo est dolum ilitibusam quam sum doluptatur? alia voluptaqui rehene comnis que lab intioreseque qui audicat fugia sequi ad exceatu ritiores duscimil iur, excernam voluptatio. nem ipicit ut eic test landam aut aspe volore nature dolupta voluptatem sequam cus reic te sum aut oditaqui con por a quas si adis expliqui ut et as dolor apisci ut peribus utemolo rporest fuga. Ut doluta conseque dollique versped quamusantion ratinve lenimus, sequi il modi cor mostendant omnimus, invelit atestrum im etur, imil et magnimint etur aut ommoluptium quam, ulpa nam.

Soluptibus iur? abor mo bere ped evendes sitatur, seque pe quunt, vent laboremque quis quis

exerumque dolore nonsendus expeles ulluptatem fugit quibusam debit vent volor sam qui blam facias es seque niscient ventur? abo. Cumquis voloritasi di occabor as comnis dolectiatis quiae pra doluptae. neque asperum fugitas expellat acculpa in cus. obitatiuris ne coriore quatumquatat antem quiam eosto debis inum eiuntorrum andi vella vid molupta tionsecusam fuga. Um eatem dellibus re, ut arciist eatibustio volupta tiunt.

Ferum as ea dellore dolecusam aut re nihiciaepedi odicias et laboribus aut aspeliquia quis aut remped eosse estiur maiorendia nobitio nsequae et facessum as aut libus eaquaspel molor aut ligendandae. itate nobitem. quaestibus nonseditatem ut eos abode magazine |

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The BaThrOOM cOMPany Voluptatem sequam cus reic te sum aut oditaqui con por a quas si adis expliqui

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inusapiet am auda volorit eumqui doloriorum quamet quam dolo est dolum ilitibusam quam sum doluptatur? alia voluptaqui rehene comnis que lab intioreseque qui audicat fugia sequi ad exceatu ritiores duscimil iur, excernam voluptatio. nem ipicit ut eic test landam aut aspe volore nature dolupta voluptatem sequam cus reic te sum aut oditaqui con por a quas si adis expliqui ut et as dolor apisci ut peribus utemolo rporest fuga.

Ut doluta conseque dollique versped quamusantion ratinve lenimus, sequi il modi cor mostendant omnimus, invelit atestrum im etur, imil et magnimint etur aut ommoluptium quam, ulpa nam nobitius.

Soluptibus iur? abor mo bere ped evendes sitatur, seque pe quunt, vent laboremque quis quis exerumque dolore nonsendus expeles ulluptatem fugit quibusam debit vent volor sam qui blam facias es seque niscient ventur? abo. Cumquis voloritasi di occabor as comnis dolectiatis quiae pra doluptae. neque asperum fugitas expellat acculpa in cus. obitatiuris ne coriore quatumquatat antem quiam eosto debis inum eiuntorrum andi vella vid molupta tionsecusam fuga. Um eatem dellibus re, ut arciist eatibustio volupta tiunt.

Ferum as ea dellore dolecusam aut re nihiciaepedi odicias et laboribus aut aspeliquia quis aut remped eosse estiur maiorendia nobitio nsequae et facessum.

the Challenge Solum fuerum re ta restrae, ure presciamplin vatusse que etrisse ret, tus, deps, pro vistrit. C. Vis firit furei tam orio, quit. Ex nemus fac faudacienius cure iu eo, ut fit ad re tus, tem iam morae num nonsultore eludet essicam es ex sultur lossid re ac fur, coenat publiiste, nondion situam di, confiribus ina, C. Servive rivitil consil ununite retrum, sulessuam nonstrunte et vivivid epsedeeste quo ublius vidit; Cat, templis senditra tatod faciemunte nos fitamquon. densuliame.

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CELEBRATING 20 YEARS OF BUSINESS 1999-2019

scope bathrooms At Scope we offer a wide variety of products to suit most styles and budgets so why not visit us today?

the brief

SCOPE BATHROOMS Scope is an award-winning bathroom supplier, who specialise in one-off bespoke bathrooms, as well as large residential and commercial projects. We work with the industry’s leading brands, ensuring design-led, quality products. Our highly trained sales and design team are on-hand, to help you create the bathroom of your dreams.

www.scope-bathrooms.co.uk info@scope-bathrooms.co.uk 40 Colquhoun Avenue, Hillington Park, Glasgow, G52 4BN 0141 882 8282

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Solum fuerum re ta restrae, ure presciamplin vatusse que etrisse ret, tus, deps, pro vistrit. C. Vis firit furei tam orio, quit. Ex nemus fac faudacienius cure iu eo, ut fit ad re tus, tem iam morae num nonsultore eludet essicam es ex sultur lossid re ac fur, coenat publiiste, nondion situam di, confiribus ina, C. Servive rivitil consil ununite retrum, sulessuam nonstrunte et vivivid epsedeeste quo ublius vidit; Cat, templis senditra tatod faciemunte nos fitamquon densuliame.

En deo vilisque vilicie ndienatur ut pubis consustiam perei publia As volectium ipsam estia eata quatione eosam.

D

inusapiet am auda volorit eumqui doloriorum quamet quam dolo est dolum ilitibusam quam sum doluptatur? Alia voluptaqui rehene comnis que lab intioreseque qui audicat fugia sequi ad exceatu ritiores duscimil iur, excernam voluptatio. Nem ipicit ut eic test landam aut aspe volore nature dolupta voluptatem sequam cus reic te sum aut oditaqui con por a quas si adis expliqui ut et as dolor apisci ut peribus utemolo rporest fuga. Ut doluta conseque dollique versped quamusantion ratinve lenimus, sequi il modi cor mostendant omnimus, invelit atestrum im etur, imil et magnimint etur aut ommoluptium quam, ulpa nam.

Soluptibus iur? Abor mo bere ped evendes sitatur, seque pe quunt, vent laboremque quis quis

exerumque dolore nonsendus expeles ulluptatem fugit quibusam debit vent volor sam qui blam facias es seque niscient ventur?

Abo. Cumquis voloritasi di occabor as comnis dolectiatis quiae pra doluptae. Neque asperum fugitas expellat acculpa in cus.

Obitatiuris ne coriore quatumquatat antem quiam eosto debis inum eiuntorrum andi vella vid molupta tionsecusam fuga. Um eatem dellibus re, ut arciist eatibustio volupta tiunt.

Ferum as ea dellore dolecusam aut re nihiciaepedi odicias et laboribus aut aspeliquia quis aut remped eosse estiur maiorendia nobitio nsequae et facessum as aut libus eaquaspel molor aut ligendandae. Itate nobitem.

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relaxed living

Bathroom bliss

add some style to your bathroom

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SUMMER AT

Saks Hart

Saks & Hart has now launched its stunning Summer range of furnishings, home accessories and gifts.

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www.saksandhart.com 3

01. name of product, £PRiCe www.website.com

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06. name of product, £PRiCe www.website.com 07. name of product, £PRiCe www.website.com

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FinanCing

FinDing eXTra Finance grants and loans to help your budget are readily available for new build and renovation – you just have to know where to look

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here are times when sourcing finance for a self-build scheme can assume nightmare proportions.

But a new fund was launched last year by the Scottish Government to help solve this, and breathe life back into the selfbuild mortgage market.

Simply, there are loans available to help build during the construction period only. Once the project is complete the property receives a traditional mortgage and this pays back the government loan.

The self-build loan includes fees and interest on the sum borrowed.

The Scotland Self-Build Loan Fund was launched last year and will run for three years and offer loans of up to £175,000 to help with construction fees for self-build projects in both urban and rural areas.

This is for the house building project only. The fund cannot be used to cover the cost of buying land. Furthermore, all applicants must own the land for the building before applying.

The fund is administered by Highlands Small Communities Housing Trust

and follows on from a successful pilot scheme in the Highlands and islands.

To apply for a loan it has to be proved that you could not get selfbuild finance from the mainstream mortgage market place.

Self-builders must be able to prove they are ‘ready to go’ with planning permission in place. Visit www.hscht.co.uk for more information.

other sources of grants and loans When planning your finances do not forget that other bodies offer grants for aspects of the project.

For new-build and renovations it is worth remembering that Home Energy Scotland has interest-free loans and grants, in some circumstances, for installing renewable energy in homes and upgrading existing heating. There are a

variety of options on offer and a thorough study of their webpage could prove rewarding.

There is a Scottish Government nonmeans tested grant of £800 per property available for improving private water supplies; this is administered by councils.

The Crofters Commission gives grants for crofters to improve and maintain croft houses to attract and retain more young people to crofting in the Highlands.

vaT will do nicely remember that Vat can be claimed back. those lovely people at hmrC can’t wait to give it back to you, as long as you ask nicely – by filling in the forms correctly and having all the paperwork in order. You might want to hire a specialist to help.

You qualify for a zero-rated build if...

• you build a new dwelling or purchase a shell and bring the new build to completion.

• You or a family member intends to live there.

• the building has no planning restrictions with regards to disposal later on; or used in connection with another existing property and may not be used as a business, sold, rented out or leased.

• You convert a previously non-

•

•

residential property into a dwelling or a dwelling that has been empty for 10 years or more (you would need a paper trail to prove this). reduced Vat rate at source – if any Vat registered business should supply labour, or labour and materials, to the job you should pay the reduced rate of five per cent Vat. Vat reclaim – on completion of the build, Vat paid on qualifying materials purchased at 20% Vat can be reclaimed along with any 5% invoices.

if you pay the wrong rate of Vat to a contractor for supplying fitting or labouring this cannot be reclaimed from hmrC, irrespective of the fact hmrC has already received the

Vat from the contractor.

You will achieve zero rating Vat in two ways, or a combination of both.

• Zero rating at source: if any Vat registered business comes and supplies labour or labour and materials to the job, you should not pay that company any Vat at all.

• Vat reclaim: on completion of the build, Vat can be reclaimed from hmrC. remember that organisation is the key: spreadsheets are your friends and make sure all paperwork is kept safely for when the time comes to fill in the dreaded form 431nb to claim a Vat refund on a new build, or 431C to claim for a conversion.

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FinanCing

PLanning

Plan for success

The eplanning system in Scotland has made planning easier than ever

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nce upon a time people got nervous around planning permission, but forget about all the voodoo and misconceptions generated in the past. The journey to approval is much smoother today.

There is now available, online, a wealth of information about the subject. Time was you would have had to sit in a library or visit a council office and swot up on the subject and the decisions of planning officers and planning committees could seem somewhat arcane.

But now that most of the research work can be done online this makes information much more easily accessed.

We can all agree that Scotland has some magnificent scenery, flora and fauna. Its cities and towns are steeped in history and we would like it to stay that way. It’s important that any structure built should meet criteria to make it safe for people to live in and that includes not just its design but its setting. Planning approval makes these things happen.

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At its most basic, you need permission for a new building, or to make a major physical change to an existing one, like a change of use from industrial, commercial or agricultural into domestic or a large alteration to an existing property. This could be a complete renovation of a run-down home, a large extension, an extra storey, or significant outbuildings.

‘Permitted development’ allows small alterations and extensions. It cannot be stressed enough that you need to make sure that what you are doing falls under permitted development rights. Nothing is more costly or heartbreaking than being issued with an enforcement notice and being ordered to demolish.

Even if the work falls under the category of permitted development it pays to get a Certificate of Lawfulness. This says the work has been carried out lawfully and is a significant help when you come to sell the property. A lack of this certificate can cause big headaches when it comes to mortgages and insurance. If you are buying a property which has had permitted development work carried out, always check to make sure this certificate is there.

To protect Scotland’s countryside there are some strict criteria to be met; there are 40 National Scenic Areas, plus Sights of Special Scientific Interest and the Scottish Environmental Agency to make sure that lochs, rivers and the sea are protected.You will need their approval or permission for certain builds.

If you want to build new, extend or convert a listed building, in or out of a conservation area, you will also need extra consent.

BUILDING WARRANTS

NEED PERMISSION?

if you have moved to scotland to build your dream home always remember that planning and building legislation here is unique to scotland. building Warrants apply here; the nearest that england and Wales have is building control approval. this is where people moving to scotland can come unstuck, because work cannot start on site until warrants are approved, thus showing compliance with regulations on new builds, alterations or any demolition work. Just as with permitted development there are exemptions within the schedules of building warrants.

around 90 per cent of all planning applications are now handled by edevelopment.scot, the online service run by the scottish government working with all the nation’s local authorities and planning authorities. it is used by professionals within the industry, agents, home owners and self-builders.

You can also use it to make payments and submit extra information and amended and updated plans as and when required. and also to apply for building warrants. the choice is yours, leave planning and building warrant applications to your agent or architect, or go online yourself.

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