2
Planning an extension? Do you need Permission?
PLANNING an extension? Do you need Permission? In times
of conveyancing
uncertainty many people turn to building an extension onto their house. For years it has been possible
to construct a modest extension without the need for Planning Permission - but there have always been rules about the size, height and capacity of such an extension.
The
General Development Order governed such matters. Then a
temporary facility
was introduced in 2013 which waived the need for permission even on quite large extensions. This waiver was due to expire on May 30th 2019 but a new Order has varied this and the relaxation has been turned into a permanent facility, but there are still conditions. A single storey extension can
extend up to eight metres from the
rear wall of a detached
house, or six metres if a semi, or terrace and these distances are halved if the house is in a Conservation Area, or Area of Outstanding Natural Beauty, or a National Park.
apply to flats or maisonettes, or
neighbour consultation scheme still
These changes do not converted applies,
houses. which The means
you have to notify the Local Planning Authority, who will contact the neighbours to see if, within 21 days, there are any objections. If none, you may, of course, proceed, but if there is an objection you have the right of appeal.
For more advice development about and planning
matters contact John Pulham at:
Messrs Pulham & Co Egmere House, Market Place, Saxmundham,
IP17 1AG.
Telephone (01728) 602084 or e-mail
jsp@pulham.co.uk
NSPCC calling for runners to join Ipswich fun run to help protect children
THE NSPCC are calling on all running enthusiasts to join them at the Ipswich Christchurch Park 5K Fun Run to help raise money for vulnerable children. On August 31st, exercise in
a relaxing scenic atmosphere with no time restrictions. Sign up costs just £10 and participants are encouraged to raise £100 each for the NSPCC. In 2019/20 the charity aims to visit over 8,000 schools to deliver its Speak Out Stay Safe scheme, which teaches children to recognise and report the signs of abuse. £3 could pay for the programme to reach one primary school child,
£580
could cover the cost for a whole primary school to receive the vital knowledge they need to protect themselves. The service helps children
identify who the trusted adults are in their lives and encourages them to speak out if they feel bad about something, while highlighting that Childline is always there to help. It taught 21,575 children in Suffolk how to recognise and report child abuse in the 2017/18 academic year.
Sign up via the NSPCC for just £1 using the discount code ‘YELLOWTRAIN’. Organisers are also encouraging those that are already registered to create a JustGiving page.
Any adult concerned about the welfare of a child or young person can call the NSPCC helpline for free, 24/7, on 0808 800 5000. Children can call Childline at any time on 0800 111, visit
www.childline.org.uk or download the ‘For Me’ app.
Matt Giddings
Plasterer and General Builder Over 30 years experience
For a quote please call
07541 364842
Financial Focus On…Accidental Landlords – is it time to sell?
THERE are three big changes coming in the capital gains tax (CGT) treatment of residential property and you should consider whether it is to your benefit to bring forward a sale or gift so that you can take advantage of the current rules. From April 2020, it is proposed that: The final ownership period
which automatically qualifies for main
residence relief
(PPR) will be reduced from 18 to 9 months. Disabled people retain their current exemption of 36 months. (this change only affects those who have not lived in the property as their main residence in the 18 months immediately before a sale); Within 30 days of the sale,
you will be required to file a CGT Return and pay an estimate of the Capital Gains Tax due;
Let Property Relief will be substantially restricted. Whilst
and-file-within-30-days requirement
the new pay- (bringing UK
resident property sellers into line with non-UK sellers) is likely to only cause a cashflow advantage to the government and a disadvantage to those who need all of the funds to facilitate
the next property
purchase, there is a risk that too much or too little tax will be paid at the time.
Gains are assessed on top of your total income which you
Capital
may not know until after the end of the tax year – possibly almost a year after the sale takes place.
You will have
to estimate your tax position within those 30 days. If your income
suddenly increases
later in the year you may end up into the higher rates of tax forcing the gain to be assessed at 28%.
Alternatively, you
could assume that you were going to be in the 28% CGT band, but later in the year suffer
a large It is the capital loss
making the early tax payment superfluous.
proposals
surrounding the Let Property Relief that could prove to be the most valuable relief to be lost.
At present, if you let a property that had previously been your main home (and qualifies in part for PPR), you can claim Let Property Relief of up to £40,000 per owner in addition to any PPR relief. For example, you buy a house for £80,000 and live in it for 7 years before moving away to another part of the country. You keep the property for a further 13 years and become an “accidental
landlord”
before selling it for £220,000 and a profit of £140,000. Currently the last 18 months of ownership will qualify for PPR and so the proportion of the gain that is exempt under PPR is (7+1½)/20 x £140,000 i.e. £59,500.
Additionally, as you had previously used the
Saxmundham & District Royal British Legion
WE are hosting an awareness event
Saxmundham
in Fromus Square on Saturday
21st September from 9am to 3pm. The aim is to raise public awareness of what the Legion does in the community and to encourage more people to get
involved with the welfare and membership and comradeship activities in the Saxmundham area. We will be available to offer advice and information on how we support the service and ex-service community in the area and to answer your
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The DAY EXCURSIONS
SUN 4TH AUG: FREEPORT SHOPPING VILLAGE . ..............................................................£18.00 MON 5TH AUG: SEALS & SHERINGHAM £31.00 SAT 10TH AUG RACING AT CHELMSFORD ........ ..............................................................£68.00 TUES 13TH AUG ANGLESEY ABBEY ...... £35.00 WED 14TH AUG BURY ST. EDMUNDS .... £15.50 SAT 17TH AUG COLCHESTER ZOO ......... £36.00 MON 19TH AUG FELIXSTOWE................ £14.50 TUES 20TH AUG NORFOLK LAVENDER .. £24.50 WED 21ST AUG STRICTLY TEA DANCE.. £68.00 FRI 23RD AUG CLACTON AIR SHOW ...... £18.00 SAT 24TH AUG CAMBRIDGE .................. £20.00 SUN 25TH AUG BURY ST EDMUNDS FOOD & DRINK ..................................... £15.50 WED 28TH AUG BRIGHTON & THE i360 . £53.50 SAT 31ST AUG BURE VALLEY BOAT & TRAIN .... £36.00 ..................................................£50.00
WED 11TH DEC:CHRISTMAS CELEBRATIONS @ RAH .........................................................£63.50 THURS 12TH DEC: CROMER CHRISTMAS SHOW .................................................................£38.00 SUN 9TH FEB 20: CIRQUE DU SOLEIL – LUZIA .... .............................................................. £108.00 THUR 12TH MAR 20: MARY POPPINS ... £104.00 THUR 30TH APRIL 20: PRINCE OF EGYPT £71.50
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MON 18TH NOV MORECAMBE BARGAIN BREAK
THEATRES & CONCERTS SUN 1ST DEC CHRISTMAS AT
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5 DAYS £249 2 DAYS £95
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ROCKINGHAM CASTLE 2 DAYS £119 3 DAYS £299 5 DAYS £559
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Every Monday is quiz night! May Events
Engineers Arms 7 Main Street, Leiston 01728 635 883
8th
Every Monday is quiz night! 8th
1st Monday of Month August Events
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May – Steve & Greta Afternoon gig
Quiz Night 3rd - Lost
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May – Steve & Greta Afternoon gig
house as your main residence, you can claim the Let Property Relief of a further £40,000. The £140,000 gain is therefore reduced to £40,500 on which Capital Gains Tax is assessed at a maximum of 28%. From April 2020, assuming the proposed changes are enacted,
in addition to the
final qualifying period halving again to only 9 months (increasing
the gain in this
example by a further £5,250), it is proposed that Let Property Relief will only be available for periods that you had been resident in the same property at the same time that it had been let and in the above example, the £40,000 relief will not be available.
From April 2020,
the overall assessable gain in our example is now increased to £85,750 from £40,500 (a maximum increase in CGT of £12,670).
The increase is
even greater if the house were owned by a married couple, each currently entitled
to
£40,000 Let Property Relief. Whilst the proposed restriction
may seem that you have to
be living in the property at the same time as you are letting
strange,
these proposals merely follow the same treatment for non- residential use. If you live in a house but use one quarter of it exclusively for business, your PPR relief is restricted by that fraction as you are not using that part of your home as
questions. The
information Suffolk
Poppy
Suffolk County stand and the Appeal
stand
will be attending with updates on our work both locally and nationally. Branch
The well Tombola stall
stocked will
also be present to give you the chance to win some good prizes. If there is ever a reason we can’t help, our vast network means we will know someone who can. We know that the needs of the Armed Forces community are complex, so our partner charities and organisations can help
offer advice and support on everything from PTSD (Post Traumatic Stress Disorder) to housing. Please
spare the time to
stop and speak to us about membership, Branch activities, pick up some freebies, take some leaflets and you may also like to volunteer to help us in our work.
Knodishall Cancer Research UK Support Group
CEILIDH with Sizewell Gap in the village Hall Knodishall on August 10th, 7.30pm until late,
tickets £10 for adults,
children free, there will also be a barbecue to buy food if you wish, in Aid of Cancer Research UK come and have an enjoyable evening with lots of fun.
If you would like to purchase tickets for this event please call 01728 831748.
Jo Mayhew, Organiser
JOHN BALLS GARAGE FRISTON
Tel: (01728) 688 509 Free collection & delivery service 10 mile radius
• MOT TESTING • SERVICING • REPAIRS
• TYRES & EXHAUST • AIR CONDITIONING SERVICING
Always a selection of used cars AUGUST 2019
a home, but for business. The same theory works for lodgers. If you have a lodger – for example in a “Granny-Annex” that you do not use, that part of the property is not being used as your home. These proposals allow additional CGT relief to cover the Granny Annex in these circumstances. The
Capital Gains Tax
treatment for these reliefs is the same whether you are selling a residential property or gifting it.
The only difference of course is that with a sale you receive money with which to pay the tax. With a gift to an individual, you have to find the funds to pay the taxman. What can I do?
For those
who face losing the valuable Let Property Relief – as well as seeing
their PPR relief
curtailed to only 9 months if they are living away from the property at the time of sale - there is effectively one option available. If you are looking to sell in the future, calculate by how much your potential capital gains tax bill will increase as a result of these measures and if substantial enough, look to sell early. Depending on your circumstances, you may even be better off by accepting a slightly lower offer in return for a quick sale enabling you to sell before these reliefs are lost, or otherwise bring forward a gift or disposal in order to “bank” any relief. Time is running out before
these proposals are due to come into effect. By looking at your potential
Capital
Gains Tax
position now, and by bringing forward any potential property disposals, you could still make best use of these reliefs. For further information on any of the above points or to discuss your affairs generally, please do not hesitate to contact Robin Beadle
at Ensors Chartered
Accountants, Saxmundham on 01728-603005. This article seeks to address
general business and financial issues and due care has been taken in its preparation. Ensors cannot accept responsibility for loss incurred by any person, company or entity as a result of acting, or failing to act, on any material in this publication. Specialist advice should always be sought in relation to your particular circumstances.
HARWICH G.M.T. – Aldeburgh minus 1hr 3 mins (Heights are for Harwich expressed in metres)
TIDE TABLES August 2019
134892
0326549
019969
080517 047986 047986
015446
1216198
099514
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