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The Journal

Tabitha Jackson - Owens Quay, Bingley - Case Study - Family together on sofa

However, a mortgage option highlighted by our independent mortgage partners at <a href="https://www.nhmh.co.uk/">New Homes Mortgage Helpline</a> could make purchasing a new-build home possible for more buyers.
Through <a href="https://perenna.com/">Perenna’s</a> new-build mortgage offering, an eligible housebuilder incentive may be used towards the required 5% deposit.
Depending on the buyer’s circumstances and the incentive available, this could help reduce the amount they need to contribute towards their deposit from personal savings.

Could a housebuilder incentive help cover your new-build deposit?

Oxenhope Primary School Donation PR Photos - The Carriages

Helping Oxenhope Primary School reach their playground goal!

Our FD, Rob at Pendle Farm admiring the view

Rob joined us last year as Finance Director and has quickly become a valued part of the business, bringing people together, strengthening the way we work, and helping us prepare for the next chapter of growth.
His new role comes as Verity &amp; Co Homes approaches 40 years of building homes across Yorkshire and Lancashire. Since 1986, we have remained proudly independent and family-owned, building close to 4,000 homes and working with a trusted network of local subcontractors and suppliers across the region.
At a time when independent housebuilders have become increasingly rare, our 40th year is an opportunity to reflect on what has shaped us, while continuing to look forward. For us, that means growing carefully, building thoughtfully, and staying close to the values that have guided the business for nearly four decades.

Robert Wilkinson appointed Operations Director

What makes a home work for entertaining

Introducing Birchley Fold, Silsden

Each double bedroom has been designed around a king-sized bed from the very beginning. Not added in later, but planned for as part of the layout itself.
It’s a subtle decision, but an important one.
Because a bedroom should feel generous, not just in size, but in how it works day to day. There is space to move naturally, to place bedside tables comfortably, and to create a room that feels calm and well balanced.
It allows the bed to sit properly within the space, without compromise so you can truly feel at home in your bedroom.
This approach reflects a wider principle behind <a href="https://www.verityandcohomes.com/find-your-home/the-carriages-development/">The Carriages</a>. Thoughtful design that considers how a home is actually lived in, and how it should feel over time.
A bedroom should be somewhere you can properly switch off.

Designed Around How You Live

Street Scene created with AI of the carriages, oxenhope

<a class="underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href="https://www.verityandcohomes.com/find-your-home/the-carriages-development/">The Carriages</a> is a considered collection of eight stone-built homes set at the edge of Oxenhope, designed to feel naturally at home among the traditional buildings that surround them. Each home has been shaped with care — thoughtful materials, balanced proportions and a design approach that respects the village&#8217;s character while supporting modern living.
And now, for the first time, you can see three of those homes side by side. Using artificial intelligence, we&#8217;ve created a street scene that we think beautifully captures the warmth and character of what&#8217;s being created here. What AI can produce now is pretty incredible.
<a class="underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href="https://www.verityandcohomes.com/find-your-home/the-carriages-development/the-carriages-5/">The Rosamond</a> — Plot 5 | 3 Bedroom A beautifully proportioned detached home with a characterful garage set back behind the building line. Right now, benefit from six months of mortgage payments covered at £1,570 per month — £9,420 in total.
<a class="underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href="https://www.verityandcohomes.com/find-your-home/the-carriages-development/the-carriages-7/">The Hawcliffe</a> — Plots 6 &amp; 7 | 3 Bedroom Our semi-detached pair anchors the heart of the street scene with considered stone detailing and generous proportions. Six months of mortgage payments also covered at £1,450 per month — £8,700 in total.
<a class="underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href="https://www.verityandcohomes.com/find-your-home/the-carriages-development/the-carriages-8/">The Earnshaw</a> — Plot 8 | 4 Bedroom A substantial four-bedroom detached home sitting beautifully into the natural slope of the site. This home comes with a thoughtfully curated upgrade package already in place — including a cashmere shaker kitchen with Oro quartz worktops, a statement 4-in-1 gold boiling water tap, upgraded en-suite tiling and up and down LED lighting to the rear patio.
We hope this gives you a real sense of the calm sense of place we&#8217;ve been working so hard to create — and perhaps helps you start imagining what your next chapter could look like here.
Please Note: CGI and AI-generated imagery, including the street scene which is based on the approved drawings, are intended for illustrative purposes only. Final specifications may vary. Internal imagery is to showcase the quality you can expect from a Verity &amp; Co home. Mortgage contribution offer is available on selected plots only and is subject to full terms and conditions. Please speak to a member of our sales team for further details.
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The Carriages | A Glimpse Into Your Future Street

The Read - Plot 53 - As Built and cleaned up with AI

<h3 data-section-id="3ti59l" data-start="484" data-end="527">Taking shape at The Oaks</h3>
At The Oaks in Skipton, the street scene is beginning to take shape &#8211; with homes now clearly defined and the character of the development starting to emerge.
As with any new neighbourhood, there is a natural transition between the early stages of construction and the final, fully finished environment. Elements such as road surfacing, landscaping and the finer details are often completed in the later phases, once construction activity has reduced and the development can be brought together as a whole.
<h3 data-section-id="18t6iog" data-start="912" data-end="965">Visualising the finished street scene</h3>
To help visualise that final stage, we’ve created a series of enhanced images that reflect how the street scene will look once these works are complete.
These visuals are not a representation of the current condition, but a considered view of the end result &#8211; a place that feels cohesive, well-finished and designed for long-term living.
<h2 data-section-id="88c1pm" data-start="99" data-end="141">A considered view of the end result</h2>
At Verity &amp; Co Homes, we understand that the final impression matters just as much as the first. Our approach is to ensure that each development is completed thoughtfully, with attention to how it will be experienced not just on day one, but for years to come.
The Oaks is no different. What you’re seeing now is part of a wider process — one that continues beyond the construction of individual homes, and into the shaping of a place people are proud to call home.

A closer look at how The Oaks, Skipton will take shape

<h3 data-section-id="3ti59l" data-start="484" data-end="527">The final three homes at Pendle Farm</h3>
Our remaining three homes form part of a row of five, created from the careful conversion of a single original farm building. The two end homes are already reserved, leaving a small, distinctive collection that feels closely connected to the development’s agricultural past.
With all 28 new homes now sold and the development largely complete, you can walk the streets, see the finished homes and experience how the place has come together. The barns themselves are now taking shape, with their scale, form and materials clearly visible as work progresses.
<h3 data-section-id="18t6iog" data-start="912" data-end="965">Rebuilt with care, guided by what came before</h3>
The original barn had reached the end of its life. What mattered was what it represented. Its scale, its presence, and its place within the village.
Now under construction, these homes are being carefully rebuilt to honour that history, using materials and proportions that reflect what stood here before, while creating something made for modern living.
To the street-facing elevation, original stone from the barn is being reused, allowing the building to sit naturally within the landscape. To the rear, the stone reflects the wider development, creating a quiet consistency across Pendle Farm as a whole. The result is a subtle transition. One side rooted in history, the other connected to the homes around it.
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A different kind of home: The final barns at Pendle Farm

Meeting-Sarah-and-Rob-Marketing-Lounge, pendle farm

If you’ve been following recent conversations around the housing market, you’ll have noticed that many buyers are sitting on the sidelines, waiting for mortgage rates to return to around 3% before making a move.
It’s an understandable mindset. But what’s often missing from that conversation is how the numbers can play out in real terms.
<h4 data-start="591" data-end="624">The maths, explained&#8230;</h4>
(Based on a 30-year repayment mortgage)
Buying now at 4.4%
<ul data-start="692" data-end="831">
<li data-start="692" data-end="724">
Purchase price: £350,000
</li>
<li data-start="725" data-end="753">
10% deposit: £35,000
</li>
<li data-start="754" data-end="789">
Mortgage required: £315,000
</li>
<li data-start="790" data-end="831">
Approximate monthly payment: £1,585
</li>
</ul>
Waiting 12 months for rates to reach 3%
<ul data-start="878" data-end="1022">
<li data-start="878" data-end="915">
Same home now costs: £364,000
</li>
<li data-start="916" data-end="944">
10% deposit: £36,400
</li>
<li data-start="945" data-end="980">
Mortgage required: £327,600
</li>
<li data-start="981" data-end="1022">
Approximate monthly payment: £1,375
</li>
</ul>
What does that mean in practice?
<ul data-start="1062" data-end="1146">
<li data-start="1062" data-end="1097">
Monthly savings: around £210
</li>
<li data-start="1098" data-end="1146">
Higher purchase price paid: around £14,000
</li>
</ul>
At that level, it can take around 5½ to 6 years for the monthly savings to outweigh the higher price paid for the home.
<h4 data-start="1272" data-end="1317">What we’re seeing in the market right now</h4>
Alongside this, current conditions are creating a very different experience for buyers than we’ve seen in recent years:
<ul data-start="1440" data-end="1651">
<li data-start="1440" data-end="1527">
Mortgage rates around 4.4% are some of the most competitive seen in over a year
</li>
<li data-start="1528" data-end="1563">
More homes are coming to market
</li>
<li data-start="1602" data-end="1651">
Homes are taking longer to sell in many areas
</li>
</ul>
With fewer buyers competing at once, there is often less pressure to overbid, more balanced conversations following surveys, and greater flexibility when it comes to timings and details. For buyers who are ready, this can feel like a calmer, more considered way to move.
<h4 data-start="1925" data-end="1945">A long-term view</h4>
For us, the focus remains the same regardless of wider market shifts: building well-crafted homes, rooted in quality, thoughtful design and long-term value &#8211; in places people genuinely want to call home.
If you’re considering a move, now can be a good time to explore options, ask questions and take a measured approach, without pressure. And if you’re not quite ready, that’s okay too. The right decision is always one made with confidence.
We’ll continue to share honest insight as the market evolves — and we’re always here for a conversation when the time feels right.
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The math no one is talking about…

The elliot show home front externals the oaks skipton

After months of thoughtful planning, design and styling, The Elliot has been carefully curated to reflect how we believe homes should feel: calm, welcoming, and designed for real life. This isn’t a show home created to chase short-lived interior trends, but one designed to show how timeless design can shape a home that feels comfortable for years to come.

The Elliot Show Home Now Open at The Oaks, Skipton

For me, a show home is an opportunity to illustrate the thinking that sits behind our houses. Not just how they look, but the atmosphere we’re trying to create through proportion, materials and finish. It’s a chance to show the level of care that goes into every home we build.
For this project we once again partnered with Abbie Lockett of Breathe Home Interiors, who has worked with us on our show homes at The Willows in Silsden and <a href="https://www.verityandcohomes.com/find-your-home/pendle-farm-development/">Pendle Farm in Worsthorne</a>.
Personally, I’ve never been particularly drawn to trends. They can feel exciting in the moment, but they date quickly. Instead, I’ve always been more interested in interiors that feel timeless and dependable. Spaces that settle in quietly and continue to feel right for years to come.
I’m constantly inspired by designers who approach interiors in a similar way. Studios such as <a href="http://instagram.com/millieturnerdesigns">Millie Turner Designs</a>, <a href="http://instagram.com/houseninedesign">House Nine Design</a>, <a href="http://instagram.com/amberinteriors">Amber Interiors</a> and <a href="http://instagram.com/studiomcgee">Studio McGee,</a> all create spaces that feel timeless rather than trend-led. Their work tends to focus on natural materials, layered textures and interiors that feel lived in rather than overly styled. It’s an approach that resonates strongly with how I think about our homes.