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How to Self-Build Your Koto Home With the Help to Build Equity Loan Scheme

Build your own exclusive Koto home

Building your own home is an exciting prospect that can sometimes feel like a practical and financial unattainable feat, but with the help of the new Help to Build scheme, it's now easier than ever to make your dream of a custom-built home a reality.

Koto are delighted to announce that as of Monday this week, you can apply to the Help to Build: Equity Loan which provides interest-free loans (for up to five years) of up to £600,000 to help cover the cost of building your own home, and with a 5% deposit, it's accessible for a wide range of people.

With the Help to Build scheme, you can commission your very own Koto design. So, if you've ever envisaged living in an architecturally designed and sustainable Koto home, now is the time to make it happen.

Homes England’s scheme is not only applicable to first-time buyers; you can spend up to £600,000 - including the land if this was not previously owned - and no more than £400,000 on build costs. If the build exceeds the quota, you are then able to invest more of your own money.

The Help to Build scheme is a particularly appealing opportunity for buyers who want more control over their home's specifications or who want to self-build a home with better sustainability credentials.

“From an accessibility point of view, we see Home England’s Help to Build scheme as an excellent initiative that puts self-building on a level playing field with buying from a property developer, given the prospective financial support available.

“Moreover, the scaling up of self-build and custom house building helps steer the future of sustainable construction in a progressive direction as more people can choose to build ethically in the UK, which is vital to decarbonise the built environment.” -

Johnathon Little - Co-founder.

Homes England, the government’s housing body, will lend between 5% and 20% of the costs across England – and up to 40% in London. Applicants must also live in the property as a primary home.

For more information about the Help to Build scheme, visit the Government's Guidance.

Contact.

If you have a Koto project in mind, we would love to hear from you. Get in touch with Poppy at poppy@kotocabins.com.

Credits.

Architecture and Design - Koto Design
Interior design - Koto Living
Images - Oclo Studio, Edvinas Bruzas, Arc Digital

About Koto.

Modular Architecture - Sustainable by necessity.

Koto delivers beautifully crafted, architect designed, energy neutral homes and cabins. All our buildings are produced to the very highest standards and delivered whole and complete directly to your site. Every Koto home has been crafted with the utmost respect for both our environment and the people we work with. The Koto studio co-founded by Zoe, Johnathon and Theo design modular houses, cabins and sculptural small buildings, with each one drawing inspiration from Scandinavian design and culture. Co-founders, Johnathon and Zoë Little, returned from living on the shores of Norway’s fjords with a deep appreciation of the local aesthetic and environment. As the brand progressed, Koto began looking further east to the minimalist world of Japanese design and their focus on social functionality. This is something that has always fascinated co-founder and architect Theo Dales. Koto shares their emphasis on clean and simple details that provide a sense of calm. This exploration has helped Koto’s designs evolve into the carefully-considered works they are today.

“As both designers and parents, we recognise the dynamic relationship between nature, quality design and one of life’s great luxuries – spending time with friends and family. Each and every Koto home embodies this ethos.”
Zoe Little - Co-Founder Koto.