Land

29 replies

Aug12 · 11/01/2026 10:15

Hello everyone

We’ve seen some land locally and have been dreaming about purchasing. We only have half in cash and was thinking about taking a personal loan to cover the rest. Is this generally allowed? We were thinking the amount we would need to borrow could be paid off fairly easily in comparison to our mortgage and then we could live the dream. The land has planning on it and our dream is to live an off grid, self sufficient lifestyle with an eco build/cabin. We would want to work on this ourselves slowly and live mortgage free.

I am completely aware this will sound completely crazy to most and I’m very happy to be told this can’t work and reasons why, also any thinking points to consider and general advice really.

We have a 4bed home that’s mortgaged atm and we have children to consider also.

OP posts:

OhDear111 · 13/01/2026 20:18

What dwelling is the pp for? Around here you would be paying £1/2 million for a building plot. Probably more. Has it pp for a barn?

Original poster

Aug12 · 14/01/2026 12:09

@OhDear111 wow that’s expensive! Where are you based? We are way up in the Highlands where things are much much cheaper. It’s a 6acre plot with planning for a 1 and a half storey 3 bed detached home.

OP posts:

PragmaticIsh · 14/01/2026 19:57

So would you be planning to build that 3 bed detached house, or applying to build something else?

For the septic tank regulations, this might help.
https://beta.sepa.scot/topics/water/septic-tanks-and-private-sewage-treatment-systems/

Septic tanks and Private Sewage Treatment Systems | Beta | SEPA | Scottish Environment Protection Agency

SEPA is the Scottish Environment Protection Agency. Our role is to make sure that the environment and human health are protected, to ensure that Scotland’s natural resources and services are used as sustainably as possible and contribute to sustainable...

https://beta.sepa.scot/topics/water/septic-tanks-and-private-sewage-treatment-systems

OhDear111 · 15/01/2026 12:28

@Aug12 SE of England. That would be the absolute minimum in my village. Plus most plots have a building on them - an old bungalow for example. You get 40% more than the 1948 building - we have lots of restrictions!

Id be very wary of building costs being greater than the value of the house after you have built it. If you are remote, there’s costs associated with that. You should be doing accurate cost predictions because everything is more than you think!

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