Affordable Housing in Formby
Affordable housing in Formby means homes for rent or sale offered below market levels to people whose needs are not met by the open market, such as social and affordable rent, shared ownership and discounted market sale. Land to Homes plans affordable homes into the sites it brings forward and works with councils and housing associations, which set eligibility and allocate the homes.
Formby · L37Register your interest
Tell us where you want to live and what you need. Free, no obligation.
Registering interest is not a housing application. Social and affordable homes are allocated by councils and housing providers through their own lists.
Prefer to talk? Call 0800 088 6248.
- Free to registerNo fees, no deposit, no obligation
- Hear firstIf homes are released near you
- Affordable homesWith councils and housing associations
- Clear informationTenure, specification and warranty
- UK-wideEngland, Wales, Scotland and NI
Homes we plan around Formby
Formby (L37) is one of the Merseyside towns we cover, about 11 miles north of Liverpool. Maghull is the closest neighbouring place we cover, at about 6 miles, followed by Southport and Bootle. Within England, Formby falls in the North West region.
When you register for Formby, you can choose larger family homes, one- and two-bedroom apartments or two- and three-bedroom family homes. As Formby is in England, applications are judged against the National Planning Policy Framework, and the buyer of land pays Stamp Duty Land Tax (SDLT).
Register for Formby and we will contact you if we bring homes forward nearby.
What we offer in Formby
Eligibility set by others
Who can apply is set by the council, the housing provider and the scheme rules. We explain the process, but we do not decide eligibility or allocations.
Every main tenure explained
Social rent, affordable rent, shared ownership, discounted market sale and their equivalents in each nation, explained in plain terms with who each one is for.
Providers involved early
We aim to agree affordable homes with a housing association or other registered provider early, so the homes meet their standards and local need.
Designed to fit in
We design affordable homes to sit alongside homes for sale and spread them through a scheme, so the tenures are hard to tell apart.
Planning and land rules in Formby
In England, affordable housing on market developments in Formby is normally secured through a Section 106 agreement, which sets the number, tenure and transfer of homes to a registered provider. Grant from Homes England can add further homes, and the 2026 to 2036 programme expects at least 60% of funded homes to be Social Rent. Land to Homes can supply land, design and build homes, or deliver completed homes for councils and housing associations.
In England, affordable housing is defined in the National Planning Policy Framework and is usually secured through Section 106 agreements. Homes are transferred to registered providers regulated by the Regulator of Social Housing. Grant funding is usually channelled through Homes England, or the Greater London Authority in London. Tenures include social rent, affordable rent, shared ownership and discounted market sale.
| Who decides applications | The local planning authority, usually the district, borough, city or unitary council (or a national park authority) |
|---|---|
| Land registration | HM Land Registry |
| How a sale becomes binding | A land sale becomes legally binding on exchange of contracts and finishes on completion, after which the buyer registers the title with HM Land Registry. |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council charges it |
Your questions answered for Formby
Who decides if I am eligible for an affordable home?
The council, the housing association or other provider, and the rules of the particular scheme. Eligibility usually depends on household income, housing need and sometimes a local connection to the area. Land to Homes does not decide eligibility or allocate homes. If you are interested, contact your local council's housing team and housing associations working in the area.
What counts as affordable housing?
Affordable housing is housing for sale or rent for people whose needs are not met by the market, provided on terms set by planning policy. It typically includes social rent, affordable rent, shared ownership and discounted market sale. The exact definitions differ by nation: England's are in the National Planning Policy Framework, and Wales, Scotland and Northern Ireland set their own.
What is the difference between social rent and affordable rent?
Social rent is the lowest-cost rented housing, with rents in England set using a government formula and kept low by policy or regulation elsewhere. Affordable rent, used mainly in England, is set by reference to local market rents and is usually higher than social rent. Both are let by councils and registered providers to eligible households.
Does affordable housing reduce what my land is worth?
It usually affects value, because affordable homes are transferred to a provider for less than open market homes would sell for. The council's affordable housing policy, and other planning obligations, are among the costs a buyer allows for when valuing land. Our free site appraisal explains how these factors apply to your site.
Can I register for new homes in Formby?
Yes. Registering for Formby is free and does not commit you to anything. There are no homes available yet; if we bring homes forward in or near Formby, we will contact you.
Read more: Affordable Housing · Guide: Section 106 and affordable housing: what landowners should know