Katrina Burroughs
Download 'Too Hot', an exclusive Specials track from iTunes
Last Sunday, easterly winds strafed the beach at Aldeburgh, sending shivering walkers home to log fires and dry socks. But the icy Suffolk weather was not as chilling as a headline that day: “Brown to curb second homes.” Was ownership of a second property about to be declared theft?
My name is Katrina, and I am a second-home owner. When we married, 14 years ago, my husband and I were living in his bachelor flat, in a mansion block on one of the most polluted roads in west London. I was completing a PhD and he was at the start of his law career. A decent-sized kitchen was a pipe dream; an extra bedroom, on our budget, a fantasy; a garden, out of the question. In London.
So, one bank holiday, we went east, drawn by the big skies and relatively reasonable prices of East Anglia. We secured our spare bedroom, garden and access to fresh air when we found an 18th-century farm worker’s cottage in a village on the Suffolk coast. We bought it from a family who had two houses there (ours had served as an overflow for their teenage children and friends) and considered our life balance just about struck.
Four years ago, we upgraded the London “principal residence” to a small terraced house, but our cottage remained just as beloved. In the meantime, London had become busier. Property prices rose, and weekends there didn’t provide the respite of a trip along the A12.
As the years passed, our compromise lifestyle became less acceptable. This came to a head last weekend, when we joined the groups of degenerates apparently requiring official intervention up there with underage drinkers, nondoms, 4WD drivers and recalcitrant fatties.
A government inquiry, headed by Matthew Taylor, Liberal Democrat MP for Truro and St Austell, is expected to recommend curbs on people buying second homes in popular spots such as Cornwall and Devon, the Lake District and parts of East Anglia noting that, in some places, outsiders own as much as half of the housing. Locals, it would seem, are being priced out of their home towns and villages by wealthier incomers and forced to move away; schools and other public services are closing. Undeniably, a bleak image.
Are we guilty as charged? Our tiny cottage is the sort of place a village family might have lived in 50 years ago, but it probably isn’t to the taste of a modern first-time buyer. There is no central heating, the two bedrooms are joined by a passageway and its Grade II listing virtually rules out significant changes. Its age means constant maintenance, which, incidentally, is carried out by local firms.
In his own West Country constituency, Taylor’s report diagnoses a “huge problem”, a rampant disease. Yet, elsewhere, second-home ownership has a more nuanced and far from entirely negative effect on the local community. What’s more, second homes account for only 1.8% of housing in rural areas, according to the third Annual Halifax Rural Housing Review published in August last year.
Businesses near us are thriving and specialist food retailers are multiplying. Some of this must be down to the 10% or 15% (at a guess) of second-homers here. Yes, house prices have risen more than they would have if only locals could have bought. On the other hand, when agricultural jobs and workers started disappearing, 20 years ago, values might have plummeted had it not been for people like us trickling in. My local authority, Suffolk Coastal, has no policy on the issue, but offers such owners a council-tax discount of 10%. (It used to be 50%.)
What is Taylor’s proposed cure? He will recommend that buyers of rural retreats must gain permission to change their status from “fully occupied” to “second home”, allowing councils the right to refuse potential incomers entry. Will this save communities? It may be too late: the estate agent Knight Frank estimates that the number of second homes in Britain hit 241,000 three years ago, but has stayed fairly constant since. Many in search of a holiday bolt hole are looking abroad, to places where prices are lower and the weather better.
Any such restrictions could be difficult to police look at the ease with which certain politicians reclassify second homes as primary residences when it’s time to sell, avoiding capital-gains tax. Restrictions could have other unintended effects: would a property like mine be forever resaleable as a second, more expensive home, leaving another one, owned by a local, worth much less? Why shouldn’t residents extract the real market value of their property, particularly if they want to sell up and retire to Spain on the proceeds? Guernsey operates one market for locals and an open market of more than 1,500 homes for incomers. The price gap between the two has narrowed, and prices in both are high compared with the average in mainland Britain. In Switzerland, foreign nonresidents can apply to obtain a permit to buy a property; once granted, their home enters the pool of (higher-value) residences that can be sold to other foreigners. Affordable housing, however, is still scarce in both places. And supply is the crux of the matter.
“It’s a localised problem,” says Lucian Cook, head of residential research at Savills. He says that 30% of properties in a dozen parishes in the three local authorities with the most holiday homes in the southwest South Hams (Devon), North Cornwall and Penwith (both Cornwall) are second homes. His suggestion is to make the most of this incoming wealth and develop affordable housing in nearby locations that have proved less attractive to second-homers, such as Totnes and Ivybridge, in the South Hams, or Bodmin, Camelford and Launceston, in North Cornwall. Weekenders could also pay higher council-tax bills than locals, with the premium used for affordable housing or to prop up services.
And yet, and yet. This simply doesn’t feel like an area of our lives in which governments should interfere. Once we’ve paid our taxes, surely we should spend our money as we wish, whether that be on Doctor Who memorabilia, one big city house or two smaller properties. And, as long as many of us must spend the working week somewhere we’d rather not be at the weekend, we’ll choose a house in the country.
Lenders continue to use tight criteria to decide who will — and will not — qualify for a home loan, so follow these tips
A golden oldie standing in the shadow of an 11th-century castle awaits discovery in Lewes, East Sussex,
The designer recalls his teenage years in a village near Milan, where he learnt the ropes of the family traditions
Eco furnishings now have syle as well as substance, thanks to a new breed of designers who recycle materials
Win a luxury weekend to Newcastle and its neighbour Gateshead, find out more here
Risk, resilience and embracing new technology
Industry sectors news at a glance. Interactive heatmap, video and podcast
Discover the power of collective thinking. Submit a solution and be in with a chance to win a Media Hub Home Entertainment System
The inside track on current trends in the charity, not for profit and social enterprise sectors
Everything the Business Traveller needs to know to make a better trip
Make the most of the summer and enter our fabulous photographic competition, you could win a £5000 holiday
Corsica is an island of beauty and contrast, an ideal holiday destination
Enjoy further reading from Travel to Fashion, Business to Sport, discover more




Sell yourself! Have your CV reviewed by experts
Essential reading whether you're buying, selling, improving or moving
Shortcuts to help you find sections and articles
The clever way to lease a new car is with Car leasing made simple™
2009
per month on 36-month
Personal Contract Hire (PCH)
2008
42850
Car Insurance
£24,250 - £30,346
MI5
London
£60,000
The Environment Agency
Bristol
Up to £90K
Boots
Midlands
OTE £85k
Credit Protection Association
Nationwide Opportunities
Completely London
Luxury Condo's in Manhattan with NYC views
The best new homes in Wimbledon?
Nationwide
Fabulous Cruise And Cruise & Stay Offers Including Virgin Atlantic Flights Prices Start From Only £699pp!
Last Minute Cruise And Cruise & Stay Offers. Med From £499pp, Caribbean From £699pp!
5 star quality at a 3 star price.
8 fabulous Canadian cities ...you won’t find cheaper
Contact our advertising team for advertising and sponsorship in Times Online, The Times and The Sunday Times, or place your advertisement.
Times Online Services: Dating | Jobs | Property Search | Used Cars | Holidays | Births, Marriages, Deaths | Subscriptions | E-paper
News International associated websites: Globrix Property Search | Property Finder | Milkround
Copyright 2009 Times Newspapers Ltd.
This service is provided on Times Newspapers' standard Terms and Conditions. Please read our Privacy Policy.To inquire about a licence to reproduce material from Times Online, The Times or The Sunday Times, click here.This website is published by a member of the News International Group. News International Limited, 1 Virginia St, London E98 1XY, is the holding company for the News International group and is registered in England No 81701. VAT number GB 243 8054 69.
There is no denying that second-home ownership is a problem for social cohesion in certain rural communities. However, it should not be forgotten that every second home has at one point been sold by a local resident, who is presumably quite happy to sell to the highest bidder, and cash in on the premium prices outsiders bring to the local market.
Sellers are under no legal obligtion to sell to the highest bidder, so surely the solution to this issue is for local sellers to forego the highest bidder if that is from a second-home buyer, and only sell to a local or permanent resident at a (lower) price which they can afford. It would be interesting to see how many sellers are indeed prepared to put the local community first over their personal finances.
David Howard, Inverness, Scotland, UK
Society has a choice:
rural depopulation leading to abandoned villages.
Rural depopulation with sales to second homeowners. Money brought into the local community from second homeowners goes somewhere. Or do the locals selling up emigrate to Spain? Without the money coming in we would see more shop/post office closures.
The countryside folk can't get over the fact that people want to live and enjoy recreation in Cornwall and the Lake District but work in a service economy where jobs are located where the global customer chooses.
Trying to preserve the romantic idyll of English villages of yore is delusional nonsense - adapt and survive.
Peter, London,
The old mining village of Coniston in Cumbria has an analysed need for 60 plus affordable housing and we are working hard to develop this. Although this project is progressing well, it has always seemed a nonsense to us that we have to develop new housing when there are perfectly good village properties which have been lost to the community because they have become weekend homes.
For several years now we have been recommending to Government departments that local authorities should be able to require owners of properties to apply for change-of-use consent if a property is to change from permanently occupied to being a weekend home. At the moment there is no control at all on the steady loss of village homes and we believe that this would be one of the most sensible and effective ways of doing so.
We are therefore quite pleased that both the Burgess and Taylor reports have also recommended this course of action.
Alastair Cameron, Coniston, KLake District
Katrina Burroughs should have researched before writing her article.
Here in Coniston the most recent housing survey showed that 50% of the houses are now second or holiday homes.
When we came to live in our terraced house in 1969 a neighbouring street of 11 cottages housed 5 families with 10 children between them, 3 retired couples and three elderly people living on their own. Different age groups helped each other out, children played - it was a living happy community blessed with a wonderful view out over the lake. 38 years on there is one retired couple remaining, two second homes, and the rest are tarted up holiday cottages with twee names on twee nameplates. Yes we all need holidays but at what cost? Coniston Parish Plan asked for the names of young people who would soon need homes in the village, and for the names of anyone forced to live away from the village who would like to return. The number in the return? 60.
Coniston has the advantage of still being an industrial village - quarries are working and needing skilled help - and we would be the first to say we cannot do without the tourist industry, but buying property, sending in a home grown team of jerry builders, and letting an agency do all the work - is immoral.
Katrina's need to spend a whole page of your newspaper justifying her ownership of a second home smacks of a saving grace of guilt, and I have to say that some of our best friends are second home owners who have spent a large amount of their lives and some of their income here; but when we see our young people priced out of their right to a home in their own surroundings - we are filled with sadness and often despair
Elizabeth Brown, Coniston, Cumbria
Life is unfair simple as that and legislators should stop trying to tweak the balance as somebody will always lose out. In the case of this government the hard worker in the middle pay bracket. I work in central london but could not afford to live there. In the same way that a rural community competes with rich londoners, Londoners we have to compete with the global rich, Russians, Saudis, subsidised locals in affordable housing. As such I have a long commute on much busier roads than the long commute, to the next village in Cornwall.
Why should rural towns be the preserve of those who were born there, these communities are already massively subsidised at a government level, typically by those of us who endure the pollution and hassle of places like London.
My experience also shows that it is the village life that people who buy second homes often aspire to, and as such often add far more to a community in both local events and patronage of local pubs etc than some of the locals.
Dan, Kent, UK
For many years I have owned a second home in an area of Cornwall which relies on tourism for its main income. We along with many other distant as well as local second home owners let our property out to visitors whose spending supports the tourism economy providing jobsand helping to create thriving businesses. Without these selfcatering lets the local economy would not be so healthy.
By letting our property out to visitors it would be easy to support any suggested extra charge levied as this can be easily offset by including it in the rent. I run it as a business, generating enough income to keep it in good repair and up to English Tourist Boards standards
I fully appreciate the need for cheaper local housing and support any reasonable measure to increase this. In our area of Cornwall new housing is built under section 106 agreements which stop the future sale of the property to anyone other than local residents thus keeping the price below the open market levels.
Nan, Birmingham,
What next? No buy-to-lets allowed by people who already own in London? No foreigners allowed to buy (surely that pushes prices up in localised areas too - St John's Wood, Chelsea, Kensington etc). Why should "rural" areas get treated any differently? Why is an inquiry like this led by a "rural" MP?
Present me with some compensatory elements - no council tax exemptions, an extra fixed fee for second home owners and we can have a debate at least.
This proposal? Complete nonsense. And yet another reason why this country is heading rapidly down the tubes.
Julian, London, UK
I used to live in a village in Cornwall which had a village shop, a PO, a pub, a tea shop and also a small petrol garage with one incredibly slow pump. About 10 years ago people âdiscoveredâ the village and started buying up places left right and centre and initially we thought it was ok as there were only a few second homes. Since then nearly 70% of the village has been turned to 2nd homes and this has had a massive knock on effect on the local community which is now becoming very evident. The shop has had to merge with the PO, the pub is thankfully OK as is the tea shop although it is now only open in the summer but we have lost the petrol station. Village events are now poorly attended due to the lack of general population and the village primary school may have to be closed (nearest other primary school is at least 15 miles away). There also used to be a ramblers club, cricket team and pub darts team â all sadly now defunct due to the lack of people now in the village.
Dani, Plymouth, Devon
Not all second home owners are selfishly keeping two or more properties for themsleves. In thousands of cases, they have no choice. In many areas of the country, local planners are only granting planning permission if owners comply with strict occupancy restrictions. In the Cotswold Water Park (a brown field gravel extraction site) occupancy is for 11 months, only to be used for holidays and not to be used a prime residence.
This forces the homes to be used soley as second homes and the owners must occupy another residence. It is sheer planning madness! We would like to retire to our 'holiday home' but will also have to occupy another property, thus taking it away from the housing stock.
Irene Andrews, Cirencester,
This is just another example of the ridiculous and idiotic bureaucratic loony left lengths to which this government will go to interfere in our lives without having a clue as to the likely consequences of their actions. They have gone a long way along the road to destroying rural life and communities and now seem intent on destroying the unique culture of this country and replacing its 'britishness' with the culture of others, when it is exactly that 'britishness' that makes the country so admired abroad, making others want to come here. Country homes in Britain have been part of that culture for many generations as they have been in France and all other countries, especially European countries and when some lucky few have a few quid left after the taxes imposed and want to buy another house, what right does government have to interfere in that decision. It'll be a one-child policy before too long at this rate . . . oh sorry, that's only for the British!
Richard Yeats Brown, Nr Worksop, Nottinghamshire, UK