Building a Modern Home in a Victorian Terrace Garden (2026)

In a quiet corner of Catford, a remarkable story unfolds, showcasing the innovative spirit of two architects, Will and Sogand Howard. Their journey began during lockdown, when they dreamed of creating a modern home in an unexpected place—the garden of a neighboring Victorian terrace.

Unlocking Hidden Potential

The Howards' quest for a home led them down a unique path. They discovered a hidden world of opportunities in the form of large gardens and side plots, many of which were jointly owned or subject to inconsistent planning policies. What stood out to me was their determination to explore these untapped resources.

"Identifying small sites is one thing," Will Howard explains, "but making them accessible to the average buyer is a whole different challenge." This insight highlights a gap in the market that many potential homeowners might overlook.

Serendipity and Self-Build

Luck played a role in their success. The couple stumbled upon a family eager to sell their garden, a plot they had previously tried to develop without success. This serendipitous encounter allowed the Howards to unlock the value of the land, providing funds for the family's own renovation project.

Sogand Howard adds, "It was a perfect match. They wanted to raise funds, and we wanted a plot to build our dream home."

A Financial Comparison

The financial aspect is intriguing. The Howards' total investment in their garden build was comparable to buying a traditional terrace house in the area. However, their new home offers more space, energy efficiency, and the satisfaction of a custom-built design.

"We ended up with a home that requires no further upgrades, which is a significant advantage," Will points out.

Policy and Possibilities

The ease of obtaining planning permission, thanks to their architectural expertise and favorable local policies, is a key takeaway. The Howards believe that national guidance on small plots could encourage more self-builds, especially in areas with a strong self-build tradition like Lewisham.

Recent data shows a decline in self-build rates, with only 4,302 planning permissions granted in England in the year to October 2024, an 18% drop from the previous year. This highlights the need for policy reform to support individual homeowners.

A Solution to Housing Shortages?

The Howards' project offers a low-impact solution to the housing crisis. By building a single home, they not only created a beautiful residence but also contributed to easing local housing pressures.

"It's a subtle yet effective way to add homes," Sogand Howard says. "If more self-built plots were available and supported by responsive policies, it could be a game-changer for housing delivery."

Final Thoughts

The Howards' story is a testament to the power of creativity and perseverance. Their innovative approach to housing not only benefits them but also contributes to a larger solution. It's a reminder that sometimes the most inspiring ideas come from looking beyond the obvious.

Building a Modern Home in a Victorian Terrace Garden (2026)
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