Mill Bay Homes, Tai Ceredigion, Answers Needed

Last month, in Social Housing, Time to End This Lunacy, I looked at social housing provider Pembrokeshire Housing and, more specifically, its subsidiary Mill Bay Homes.

Mill Bay Homes justifies its existence by arguing that it builds and sells properties on the open market to raise funds that allow Pembrokeshire Housing to build more social housing. But we only have its word for that because being a ‘subsidiary’ organisation means that no one, certainly not those funding Pembrokeshire Housing – i.e. the ‘Welsh’ Government – will ever make enquiries into the activities of Mill Bay. A worrying phenomenon I have encountered many times before in investigating the Third Sector.

Mill Bay Help to Buy
Mill Bay Homes offers Help to Buy – Wales

Another curious feature of Mill Bay Homes mentioned in my earlier post is that it offers buyers assistance under the Help to Buy – Wales scheme while also encouraging the “Investment buyer“. Helping people buy their own home while simultaneously encouraging those who deny people their own home might be regarded as somewhat contradictory aims. And it raises the obvious question – is it the job of publicly-funded housing associations – even via ‘subsidiaries’ – to be encouraging ‘investors’ in rural areas where locals have such difficulty in finding homes?

One specific Mill Bay Homes development looked at was in Cilgerran, north Pembrokeshire. There, according to the planning application form available on the Pembrokeshire council website, Mill Bay wants to build 30 social rented housing units.

Mill Bay 1
‘BEFORE’ (Thanks to Wynne Jones)

Or at least, that’s what the planning application said when I published my original post on December 14th, but, remarkably – and here I am once again indebted to the indefatigable Wynne Jones – this planning application has since been changed. The original version can be found above, the amended version below. The latter now reads 29 open market houses and just one unit of social housing, a two-bedroom house. There is no indication of when or why the change was made. And it must be worth asking if it’s permissible to make such radical changes to a planning application already submitted?

Mill Bay 2
‘AFTER’ (Thanks to Wynne Jones)

What’s going on here? Was a genuine mistake made with the original application, and is this now being rectified? Or was the change in response to the piece I posted on December 14th? Presumably the change was made by an employee of Pembrokeshire council, but it must have been requested by someone acting for Mill Bay Homes or Pembrokeshire Housing. Again, is this allowed?

Perhaps the most disturbing possibility is that the original planning application, for 30 social housing units, was an attempt to deceive, done in the belief that planning permission would be more likely to be granted for social housing. (See Update below.)

Between April 2008 and November 2015 Pembrokeshire Housing received £27.4m of our money in Social Housing Grant (see table below). Prior to that the SHG seems to have been allocated to local authorities, and between 2000 and 2008 the county of Pembrokeshire received £31.6m. See these figures for yourself (in Excel format) here. You might also find it worthwhile reading Housing Associations – The Great Deception in which I explain that there are other methods of funding social housing.

SHG 2008 - (Nov) 2015
Feel free to use this table but please attribute source

Another curiosity unearthed by Wynne Jones is to be found in the guide to planning applications issued by Pembrokeshire council. Open the document at section 18, which reads: “Social rented – includes rented housing owned by local authorities and registered social landlords for which guideline target rents are determined through the national rent regime, set out in the ‘Guide to Social Rent Reforms’ published in March 2001. Also includes rented housing owned by other persons and provided under equivalent rental arrangements to the above, as agreed with the local authority or funded with grant from the Housing Corporation, as provided for in the Housing Act 2004.

The format of this guide seems to be dictated by the Town and Country Planning Act 1990, and appears to have been updated here and there with references to subsequent legislation applying only to Wales. Which makes it a bit of a dog’s dinner. Surely, after 17 years of devolution we should be using specifically Welsh forms? If only to avoid references such as that in section 18 to the Housing Corporation, an England-only body . . . abolished in 2008.

Mill Bay Investors
From Mill Bay Homes website

Perhaps of more significance for our enquiry is the section I’ve underlined, in which I interpret “other persons” to mean privately-owned properties used as social housing. So does this explain why Mill Bay Homes, a subsidiary of a Registered Social Landlord, is encouraging investors? Is Mill Bay offering the properties they build to investors with the guarantee that Pembrokeshire Housing will supply the tenants?

There are just so many questions to be answered about the operation of Pembrokeshire Housing and Mill Bay Homes, also other housing associations and their unaccountable subsidiaries, because they take such a huge chunk out of a total Welsh budget of only some £15bn per annum.

Another disturbing case unearthed by Wynne Jones is upstream of Cilgerran, at Cenarth. There, Tai Ceredigion put in a planning application for 15 social housing units at Maes Awmor. There was considerable opposition from those already living in an adjacent private estate on grounds of increased traffic and a belief that locals would be low on Tai Ceredigion’s allocation list.

Help to Buy
From ‘Welsh’ Government’s Help to Buy – Wales Buyers’ guide

This latter concern might be explained by looking at the plans and seeing how many of these properties are designed for those with special needs. (Click here and enlarge.) Is there really a demand for so many such properties from within this rural area? Or has Tai Ceredigion done a lucrative deal with an English local authority or some other agency that will pay well to move people to Wales? As I say, such a deal would be lucrative for Tai Ceredigion, but could only put further strain on the Welsh NHS. But maybe I’m being cynical, so let Tai Ceredigion convince us that there is a demand for these properties from within the local population.

Perhaps we should be flattered by how many agencies in England believe in the therapeutic and reforming qualities of Welsh country air. It seems that once relocated to Wales the elderly cease to wrinkle and the obese become obsessive joggers, ‘disaffected’ youngsters join the Boy Scouts and criminals transform into model citizens, drug addicts get their highs from watching Hinterland and former problem families can be seen every Sunday trooping to the Tabernacle of the Happy Clappy Outsourcing Agents for Local Authorities Ltd . . .

Then again, this belief in Welsh country air could be nothing more than cynically dumping your problems on your neighbour. But that would at least be understandable, what is neither understandable nor acceptable, is that there are those within Wales co-operating in this scam – and that they are able to use Welsh public funding to do it! 

Cenarth housing
Maes Awmor, Cenarth. The Tai Ceredigion development is planned for the land in the foreground

The latest news from Cenarth (December 14, 2015) is that six of the properties are now to be sold on the open market. But planning permission was granted for 15 social housing units. And Tai Ceredigion is a Registered Social Landlord, it cannot build houses for sale to the highest bidder. What the hell is going on?

Here are some questions for the ‘Welsh’ Government. These questions are not in any way rhetorical, I really would appreciate some answers. Because what’s been reported here, from Duffryn Teifi, is happening all over the country.

  • We can safely assume that money given to Pembrokeshire Housing to provide social rented accommodation has reached its subsidiary, Mill Bay Homes, so how does the ‘Welsh’ Government feel about public funding being used to build new properties for sale to ‘investors’?
  • Given that Mill Bay Homes on its website advertises the Help to Buy – Wales scheme and also encourages ‘investors’, what guarantees can the ‘Welsh’ Government give us that no ‘investors’ have secured Help to Buy funding? (To answer this will require a thorough, forensic and, most importantly, independent, investigation into the workings of Pembrokeshire Housing and Mill Bay Homes.)
  • With its use of terms such as “lifestyle” and “retirement” it would appear that Mill Bay Homes is targeting buyers from outside of Wales. Is the ‘Welsh’ Government comfortable with funding it has provided to Pembrokeshire Housing being used by Mill Bay Homes to further the colonisation and anglicisation of rural Wales?
  • Turning to the development at Cenarth, many of these properties have wheelchair access and are in other ways adapted for the disabled, adaptations that are expensive to design and construct. So will the ‘Welsh’ Government confirm that these properties are to meet a local demand rather than being the result of a deal or understanding struck between Tai Ceredigion and agencies outside of Wales?
  • If publicly-funded housing associations are allowed to build open market properties, placing them in direct competition with local companies not enjoying public funding, then, quite clearly, they have an unfair advantage over those local companies. Is this another example of the ‘Welsh’ Labour Party’s hostility to private business, and perhaps, more generally, the countryside?
  • Finally, how many tens of millions of pounds does the ‘Welsh’ Government estimate could be saved every year by a) reducing the number of housing associations, b) properly monitoring their spending, and c) implementing a three-year local residency rule to qualify for social housing?

UPDATE 7pm, 04.01.2016: Received the message below in a comment. I am now happy to accept that the original Cilgerran planning application was a simple slip of the pen or the cursor on the part of whoever filled in the form. Though if that is what happened, why didn’t the planning application change from 30 social housing units to 30 private dwellings, rather than to 29 private and one social? Something I did not mention in my original post is that Trevor Hopkins Associates is also involved with the Tai Ceredigion project at Cenarth.

Dear Sir,

I refer to the content posted on your web page/twitter account regarding the Planning Application we submitted on behalf of Mill Bay Homes for 30 dwellings on Land Adjacent Holly Lodge, Cilgerran. The reference to Social Housing on the Planning Form was an error on our part and this has now been corrected to open market dwellings. The modified forms are available to view on the Planning Portal.

I trust you will now update your social media/website accordingly.

Yours faithfully.

Trevor Hopkins Associates.

UPDATE 06.01.2016: Even though planning permission has not yet been granted for the Cilgerran development this sign was erected this morning. Making it look as if Pembrokeshire County Council has already agreed to grant planning permission and has also decided to disregard in advance the objections from local residents that will follow the granting of planning permission. So much for local democracy!

Mill Bay sign

27 thoughts on “Mill Bay Homes, Tai Ceredigion, Answers Needed

  1. Wynne

    Excellent post again Jac. I think we would all like to see Welsh Government answer your very relevant questions. I shall be closely monitoring projects by Housing Associations in the Cardigan area and will keep you informed. A can of worms has been opened.

  2. > it must be worth asking if it’s permissible to make such radical changes to a planning application already submitted?
    Yes, in my experience. I have been on a planning committee where a last-minute application came in to remove a social-housing commitment (on grounds of “market conditions”, if memory serves) as part of a development application.

    1. I’m aware of this practice. Planning permission is gained with the promise of ‘affordable’ homes or social housing that never gets built due to, as you say, the excuse of ‘market conditions’. Invariably, this was the intention from the outset, and promises were made that were never going to be kept. For me, the real question is, how many councillors, and council officers, are in on these scams from the start?

      1. Colin

        There’s more than a few councillors and officers doing very well, difficult to prove but corruption must be rife in many parts, Ynys Mon being a prime example.

        Aside, did you see that Clampit woman from Happy Donkey Hill on tonight’s news? “People can’t remember the names or say them”, so piss off back to somewhere you can speak the language or learn! I thought she said she’d lost weight, still looks like a bloater

      2. Dai Dom Da

        This is what happened in Cenarth. The developer, a father and son outfit, originally gained planning permission on the basis that there would be a mix of upmarket detached properties and affordable housing. Surprise, surprise, the affordable housing was never delivered. It looks as though Tai Ceredigion is now stepping into the breach, although whether there is local need for the scale and type of housing proposed is quite another matter.

  3. Trevor Hopkins

    Dear Sir,

    I refer to the content posted on your web page/twitter account regarding the Planning Application we submitted on behalf of Mill Bay Homes for 30 dwellings on Land Adjacent Holly Lodge, Cilgerran. The reference to Social Housing on the Planning Form was an error on our part and this has now been corrected to open market dwellings. The modified forms are available to view on the Planning Portal.

    I trust you will now update your social media/website accordingly.

    Yours faithfully.

    Trevor Hopkins Associates.

    1. ‘Update’ in which way? I wrote that the original application may have been a mistake and the change its correction.

  4. Wynne

    I am pleased to note that Trevor Hopkins Associates have decided to join the debate. Are they also now able to advise us on whether they have been briefed by Tai Ceredigion to design 15 social housing units at Cenarth {as stated on the planning permission} or 9 social housing units and 6 open market units.

  5. Myfanwy

    I am in total agreement with you Jac, that Wales is being colonised by the english, the effect once insidious is now so obvious and clear to see that the Welsh need to wake up before it is too late. The attitude of the dreadful Clamp woman is pervasive of her ilk, who are increasingly, colonizing rural Wales, with no attempt to learn Welsh and accept the obvious Cultural differences. This arrogance is of no surprise, as any Welsh Culture or History is either ignored in English schools or just a footnote of English history. I know this as I went to an English school and recognized this as my Parents were Welsh.

    I would like to become more active in campaigning against this constant attrition, which is beginning to look like part of a master plan cooked up by those in Westminster. Please could you advise, for total novices like me,where to begin, who to write to, to complain and pester and what to join. If you have any links of organisations etc, I would be very grateful? Thank you for all you do, we all need to wake up and do something before it is too late!

  6. Wynne

    Having now examined the “Financial Viability Judgement” relating to the parent company Pembrokeshire Housing Association Ltd published by Welsh Government in June 2015 we are advised that the subsidiary company {Mill Bay Homes Ltd} is a registered social landlord. As their amended proposal is to construct twenty nine open market dwellings and one social dwelling at Cilgerran, I assume social housing grant will apply to the one dwelling. Are they to receive this funding direct from Welsh Government or via the parent company?

    1. This is getting confusing. The Mill Bay website says it builds only homes for sale (with the profits then passed to Pembrokeshire Housing) – so why does it need to be a RSL? This is why the original Cilgerran application, for 30 social housing units, attracted our attention. Now it’s 29 market homes and one unit of social housing. But why one? I still think something very odd is going on here.

  7. Wynne

    I am as confused as you Jac. I am awaiting reply to various enquiries directed to Welsh Government and Pembrokeshire County Council relating to Pembrokeshire Housing Association Ltd and subsidiary company Mill Bay Homes Ltd. Under the Council’s adopted planning guidance there is a requirement for Mill Bay Homes to submit a draft S.106 agreement under Town & Country Planning Act 1990 in support of an application to build affordable home. I have requested {under the FOI Act 2000} a copy of the draft agreement for the Cilgerran site. It may help to clarify matters further. I await the reply from the Council and Welsh Government.

    1. I went the Financial Conduct Authority site. Here is the page for Mill Bay Homes. It shows that they’re well behind with submitting their accounts. FCA Mill Bay

  8. The empty houses in the village where I live include some too dilapidated to be readily mortgageable. Welsh Government has a ‘Houses into Homes’ scheme offering interest-free loans of up to £25,000 to help bring properties up to standard — but these loans are not available to owner-occupiers. If they were, it would assist local first-time buyers to stay in their own areas.

    1. Nominally independent but with strong links. And not confined to Ceredigion. In Pembrokeshire there seems to be an exchange of staff between the council and Pembrokeshire Housing / Mill Bay Homes.

  9. carolyn jones

    Dear Jac Ask the chair of Ceredigion County Council Planning as to what is going on re Tai Ceredigion in Cenarth.note Councillor Lyndon Lloyd is lying low (lower than a snake).Not in your back garden re Tai Ceredigion Councillor M.B.E.and I could think of many other words M.B.E. could stand for in respect of this creature .

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