Cumbria Rural Housing Trust Community Land Trust Project Helping communities to help themselves Keswick Community Housing Trust – The Hopes Scheme.

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Presentation transcript:

Cumbria Rural Housing Trust Community Land Trust Project Helping communities to help themselves Keswick Community Housing Trust – The Hopes Scheme

What is a Community Land Trust (CLT) ? Community owned Not for private profit Protecting assets Re-investment income through rents Charities / co-ops / CICs Definition Section 79 of 2008 Housing and Regeneration Act What is a community land trust? 2 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Advantages for communities Confidence Local need prioritised Homes protected Landowner goodwill Versatile housing, community buildings, shops, pubs Income when loans repaid 3 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Keswick Community Housing Trust 4 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at Idea in 2008, Opened in December 2013

5 “The Hopes” 11 Homes St Johns Churchyard

How it happened Churches consultation – housing top concern Volunteer steering group CLT Network & LA grants Diocese land £10,000 p plot CLT Officer & Impact HA support 6 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

7 Start on site December 2012

Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at month build

9 Jacqui Walsh HCA Anne Marie Willmott Impact HA Lionel Dobson Cumberland BS Graham Wilson Impact HA Professional Support Steve Atkinson Construction Malcolm Jennings Day Cummins Architects

10 Tree planting by the Mayor of Keswick at the opening December 2013

5 rents £485pm 5 shared ownership 50% market value (No rents on top of mortgages) 1 Local Occupancy for sale Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at 11 Tenures

Church yard maintained 11 families securely housed £1.4m into economy Volunteers now experts Discussing 3 more sites Result 12 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

13 Lyvennet Community Trust Crosby Ravensworth 10 rented homes 2 shared ownership 7 self build plots

Lyvennet Community Trust 14 Photo Cumberland & Westmorland Herald Pub bought & renovated with community share issue

Witherslack CLT – shop, pub, houses Skelwith & Langdale CLT - Church House renovated Helsington CLT – 7 homes planned Levens - Village Hall & Affordable Housing on PC land Staveley – self build group working with PC Other schemes 15 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Advantages for Local Authorities Communities champion Affordable Housing Land brought forwards Funding and expertise accessed Affordable housing protected Sustainability improved Community income created 16 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Advantages for Housing Associations Support local solutions Project & housing management fees Opportunities where CLTs may be unable to progress 17 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Funding Start up grants from The CLT Network, District Councils and the HCA Pre-development loans & grants from The CLT Network, HCA & LAs Capital Grant and finance from The HCA & lenders 18 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Resources – Join the CLT Network Catherine Harrington, Hannah Fleetwood, David Graham Tel Tel Grants Legal templates Case studies 19 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at

Local enabling support CLT Officer Andy Lloyd Cumbria Rural Housing Trust Visits Expertise Funding Business planning Support throughout Andy Lloyd with Bill Bewley, chair of Keswick Community Housing Trust 20 Andy Lloyd, Cumbria Rural Housing Trust, Redhills House, Redhills, Penrith, Cumbria, CA11 0DT, Tel , Mobile: CLT resources and news at