- Planning authority
- Isle of Wight Council
- Postcodes
- PO31, PO32
- Noon sun, 21 March
- About 39°
- Shadow from a 5 m eaves line
- About 6.1 m
- Planning plan
- Local Plan
- County
- Isle of Wight
What shapes a plot in Cowes
How the two households will live together shapes the planning case as much as the drawings do. If your parent will eat with you, share the garden and rely on you day to day, an annexe is the natural fit, and that is what Isle of Wight Council will expect the application to describe. If your son or daughter will run their own home, pay their own bills and perhaps sell up one day, it is a separate dwelling and will be assessed against the council’s Local Plan as a new house. For a family in PO31 and PO32, we help set that out clearly from the start.
What happens next in Cowes
From first call to keys, a family home in Cowes follows a clear order. Free appraisal and site visit; measured survey and design around the person moving in; a planning application to Isle of Wight Council; approval under the Building Regulations and any CIL exemption claimed before work starts; then the build, with you living next door throughout. You receive a written quote after design and survey, and we keep the household updated at each stage.
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.
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.
Planning and approvals
We prepare and submit the planning application and manage it with the council, which makes the decision. Before work starts, approval under the Building Regulations is in place and any CIL exemption has been claimed.
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
- CIL exemptions are lost if work starts before the claim is made, and can be withdrawn if the home is sold or let within three years.
- 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.
Your questions, answered for Cowes
Can I build a separate house in my Cowes garden for my son or daughter?
Possibly, if the plot can work as a home in its own right. Isle of Wight 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.
Will an annexe in Cowes 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. Isle of Wight Council’s council tax team can tell you how the rules apply to your household.
Who owns an annexe built in my Cowes 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.
Is CIL payable on a family home in Cowes?
Only if Isle of Wight Council 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.
Other options in Cowes
- Plot feasibility and design
- Garden plot option agreement
- Build a new home in your garden
- Planning promotion for your garden plot
- Combine gardens with your neighbours
- Large rear gardens