Backland Development
0800 088 6248Free to call Free plot appraisal

Build a home for family in your garden in Croydon

Two households, one plot: that’s the idea behind a family home in a Croydon garden. Done well, each has privacy and a front door, yet help is a few steps away. Done badly, it can strain relationships and leave a building nobody can use when circumstances change.

The difference lies mostly in the planning route and the layout. Backland Development is a new S&K Group brand offering design and build to homeowners in Croydon and the surrounding area, and each project begins with a free plot appraisal that weighs an annexe against a separate home for your family.

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Single-storey garden home with wide glazed doors and a covered porch at the back of a family garden
Planning authority
London Borough of Croydon
Postcodes
CR0, CR2, CR7, CR8, CR9
Noon sun, 21 March
About 39°
Shadow from a 5 m eaves line
About 6.3 m
Planning plan
Local Plan
County
Greater London

Before you decide in Croydon

Daylight matters twice over when the new home is for a relative who spends much of the day indoors. At noon on 21 March the sun in Croydon is about 39° above the horizon, so a two-storey eaves line around 5 m high casts a shadow of roughly 6.3 m. A single-storey annexe with eaves at half that height casts one about half as long, which is one reason low buildings often sit more easily in a garden. By late December the midday sun climbs only about 15°, so we test winter light on both homes, and on next-door gardens, before the layout is fixed.

Section showing noon sun and shadows in Croydon: about 39 degrees on 21 March and 15 degrees on 21 December21 m21 Mar, noon: sun 39°, shadow 6.3 m21 Dec, noon: sun 15°, shadow 18.4 mExistingNew home
Noon sun in Croydon on 21 March sits about 39° above the horizon, so a typical two-storey eaves line (about 5 m) throws a shadow of roughly 6.3 m. In December the sun is only about 15° up and shadows stretch much further. Drawn for a garden facing north, where it matters most.

The next steps, locally

Getting started in Croydon 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.

  1. 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.

  2. 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.

  3. 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.

  4. 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

  • Planning is the council’s decision, and an annexe is not a way round the rules that apply to a new house.
  • A separate home needs its own garden, parking, bins and access, so it needs more land than an annexe.
  • An annexe tied by planning condition usually can’t be sold or let separately, which limits flexibility later.

Your questions, answered for Croydon

Can I reclaim VAT on a family annexe in Croydon?

Often not. HMRC’s guidance gives an annexe that can’t be used or sold separately from the main house as an example of work that can’t be zero-rated, and the DIY housebuilders refund scheme asks the same question. A separate dwelling is usually treated differently. Take advice from a tax adviser before you settle the planning route, because the wording of the permission matters.

Can I build a separate house in my Croydon garden for my son or daughter?

Possibly, if the plot can work as a home in its own right. The London Borough of Croydon 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.

Is CIL payable on a family home in Croydon?

Only if the London Borough of Croydon has adopted the Community Infrastructure Levy, which its website will confirm, and we check it for you during the appraisal. Where it applies, self-build and residential annexe exemptions exist, but both must be claimed before work starts and can be withdrawn if the home is sold or let within three years of completion.

How much garden do I need for a family home in Croydon?

There’s no fixed figure. A single-storey annexe close to the house can work on a smaller plot than a separate dwelling, which needs its own garden, parking and access. What matters is whether the London Borough of Croydon can be satisfied on privacy, daylight and the space left for both homes. The free appraisal gives you a first view based on your plot’s actual shape and access.

Other options in Croydon

Family home in your garden near Croydon

Find out what your garden could become

Free garden plot appraisal. No cost, no obligation, and a straight answer if it won’t work.

Get my free appraisal 0800 088 6248