Thanks for comments ProDave,
I have considered ASHP, particularly as 1of the houses will have solar panels (planning condition to provide 10% renewable energy). Another alternative I thought instead maybe a domestic multisplit air con set up that might provide efficient warm air heating to the main rooms in the winter and also address any bedroom summer overheating if window cross ventilating isn’t possible as I should be generating some power at times when AC is required. Wall mounted electric rads and towel rails could fill in for rooms where warm air doesn’t reach in winter.
For hot water, Electric boiler could work for 2-3 baths per week, kitchen sink boiler tap and electric showers. I think I may have higher electric bills than just an ASHP but my capital outlay could be lower. The lack of a central system is probably a flaw and in practice might lack practicality but did seem to give heating and cooling options without breaking the bank.
i see you have ASHP, does it work well for you? Does it cope well with your direct hot water needs?
this would probably suit our needs so might be fine for the self build but the house for sale would probably need a more conservative approach, most people would probably be happy with an oil fired boiler.
I quite like your off the wall suggestion about selling everything and relocating to a peaceful desert island, would I have to tell the wife though!
Although the noise does bother me it’s only really bedroom noise at night and early mornings, I can be out in the garden quite happily. Having a poke around in the loft at our current house, I can see that no attempts at acoustic insulation have been made, all the windows have trickle vents and some frames are badly sealed which makes me think that with some attention to design and materials and care around the construction i could make improvements over the current house.
JFDIY its a good suggestion, the only worry seems to be that should HMRC look into it they would view me as trading rather than self building and probably hit me with a big income tax bill. I’ll be taking ProDave’s advice on talking to an accountant, I’ll share their view on the best strategy for this situation.