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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. These changes do not


apply to flats or maisonettes, or converted houses. The neighbour consultation scheme still


applies, which 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 about development 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 the new pay- and-file-within-30-days requirement (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. Capital Gains are assessed on top of your total income which you


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 in Fromus Square Saxmundham 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


A S FIBREGLASS ROOFING Do you have a felt roof which needs replacing?


Did you know this can be replaced with a fibreglass option with a 25 year guarantee.


WE SPECIALISE IN ALL TYPES OF FLAT ROOFS, BOX GUTTERS, BAY WINDOWS, PONDS.


Call Tony for more details and a free no obligation quote.


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Tony Brown’s Funeral Service


Established 1979


Owners of the Greenwood Burial Ground, Farnham Floral tributes and memorials supplied Pre-paid Funeral Plans


The Funeral Parlour, New Cut, Saxmundham, IP17 1EH Tel: 01728 603108 Email: tb.fs@virgin.net


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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SUN 29TH SEPT KINSALE & THE HAVEN COAST 7 DAYS £699 FRI 4TH OCT SAT 5TH OCT


MON 21ST OCT LLANDUDNO BARGAIN BREAK


BRUSSELS CITY BREAK 4 DAYS £299 PRIX DE L’ARC TRIOMPHE 3 DAYS £289


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THEATRES & CONCERTS SUN 1ST DEC CHRISTMAS AT


SAT 10TH AUG: WICKED ...........................£76.50 THUR 5TH SEPT: TINA TURNER....................£132 WED 9TH OCT: LION KING .........................£82.00 WED 9TH OCT; 9 TO 5................................£76.50


SUN 24TH NOV:CLASSICAL SPECTACULAR ........ .................................................................£63.00


LEI 6/FRAM 6


MON 23RD DEC CHRISTMAS IN LINCOLNSHIRE


5 DAYS £249 2 DAYS £95


THUR 28TH NOV CHRISTMAS MARKETS OF THE SOUTH


THUR 5TH DEC TENBY T & T BARGAIN BREAK


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5 DAYS £249 5 DAYS £309 4 DAYS £259 3 DAYS £195


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


May Events 13th


21st 13th 21st


May – 80/90’s DISCO 27th May – 80/90’s DISCO


11th - Ace Karaoke 18th - Steve and Greta 23rd - Ace Karaoke


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May – Ace Karaoke May – Ace Karaoke


May – Steve & Greta Afternoon gig


Quiz Night 3rd - Lost


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Find us on Facebook Find us on Facebook


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 that you have to be living in the property at the same time as you are letting may seem 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 Suffolk County information stand and the Suffolk Poppy Appeal stand will be attending with updates on our work both locally and nationally. The well stocked Branch Tombola stall 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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