- Planning authority
- Bedford Borough Council
- Postcodes
- MK40, MK41
- Noon sun, 21 March
- About 38°
- Shadow from a 5 m eaves line
- About 6.4 m
- Planning plan
- Local Plan
- County
- Bedfordshire
The local picture in Bedford
Access usually decides what a Bedford garden can take. An annexe can often share your drive because it is used with the house, but a separate home needs an access Bedford Borough Council will accept for a dwelling in its own right, with room for cars, bin collection and emergency vehicles. We cover homes in Bedford and around Kempston, Sandy and Ampthill, and on every plot we measure the drive width, the view along the road where the access joins it, and how far bins would need to travel, before anyone draws a plan.
The next steps, locally
Getting started in Bedford costs nothing. Send us a few photos of your garden and the way in, or simply call, and we’ll look at the plot from the desk and talk through your family’s plans. If there’s a realistic scheme, we arrange a site visit. Survey and design are quoted in writing before you commit, and the build price follows once the design is settled.
Free plot appraisal
We look at your plot, access and the planning picture from the desk, talk through who will live in the new home, and visit if it looks viable. There’s no cost and no obligation.
Annexe or separate home
We set out both routes for your plot, covering what each means for planning, ownership, council tax, CIL and VAT, so you can decide with your family and advisers before design starts.
Survey and design
A measured survey, then a design built around the person moving in: step-free routes, a ground-floor bedroom if needed and privacy for both households. You get a written quote after design and survey.
Build and handover
We build while you carry on living next door, with access, deliveries and working hours agreed up front. At handover you get the completion certificate and the paperwork you’ll need for council tax, lenders and any VAT claim.
Worth checking early
- VAT savings available on a separate dwelling often don’t apply to an annexe; take advice from a tax adviser before choosing.
- An annexe tied by planning condition usually can’t be sold or let separately, which limits flexibility later.
- Planning is the council’s decision, and an annexe is not a way round the rules that apply to a new house.
Your questions, answered for Bedford
How long will building work disrupt my home in Bedford?
A single garden home usually takes several months on site, with the noisiest work, such as groundworks, drainage and heavy deliveries, concentrated near the start. We agree working hours, access and parking with you up front, and with the people next door where it affects them, so your household knows what each week will look like.
Can I build a separate house in my Bedford garden for my son or daughter?
Possibly, if the plot can work as a home in its own right. Bedford Borough Council will look at access, parking, garden space for both houses, privacy and the character of the street, as it would for any new house. If permission is granted, the plot can be transferred to your child with its own title, with your lender’s consent if the house is mortgaged.
Who owns an annexe built in my Bedford garden?
You do. An annexe stays on the title of your house and usually carries a planning condition tying it to the main home, so it can’t be transferred to the relative living in it. If a family member is paying towards it, record what they’ve put in and what happens on a sale in a written agreement drawn up by a solicitor.
Will an annexe in Bedford put up my council tax?
It might. Annexes can be banded separately, but exemptions exist for annexes lived in by certain dependent relatives, and in some cases a discount applies where family live there or the annexe is used as part of the main home. Who qualifies depends on the relative’s circumstances and how the annexe is used. Bedford Borough Council’s council tax team can tell you how the rules apply to your household.
Other options in Bedford
- Garden plot option agreement
- Planning permission for a garden plot
- Joint venture on your garden plot
- Tandem and landlocked plots
- Sell subject to planning
- Garage courts and yards