Business
The power of the pension pot


‘Retirement’ can be more than staying alive: Margaret Mountford.
FUNDING secured in the past three years has managed to make a difference to small businesses and services across Ceredigion, the Council has said.
£3.4m European Agriculture Fund for Rural Development (EAFRD) Axis 3 money has been used by Ceredigion County Council over the last 3 years to bring about grass roots improvements to small businesses and services across the county. Finishing in December 2014, the Programme reporting shows that the initial open call undertaken by the Council in 2011 for activity proposals has paid dividends in the breadth and number of small scale improvements that have been made over the Programme period.
Reflecting on the success of the Programme, Cllr Gareth Lloyd, Cabinet Member for Economic Development and Tourism outlined some of the achievements: “Small businesses and tourism have been the focus for a lot of the investment. In total we have advised or assisted around 200 micro enterprises whilst giving small amounts of finance to 87 of them. This has led to the creation of 32 jobs and 14 new micro enterprises. We have managed to support 15 small scale tourism infrastructure improvements which have seen at least an additional 350,000 additional visitors. Some of these investments have been quite large, like the reinstated stations along the Rheidol Railway or the improved accommodation at the Urdd Camp, whilst others have been more modest – such as improvements to bridleways.
We haven’t ignored other important areas of rural life though, for instance we have been able to financially support 33 projects related to improving basic services such as village halls, community transport, play areas and even a broadband mast. Many villages have benefited from small scale improvements to public spaces through our Balchder Pentrefi scheme. When added together, all these individual actions have made a real contribution to the rural way of life and economy in Ceredigion.”
The Programme has now come to an end, and the County Council will be hoping that the Ceredigion will be able to benefit from the next round of EAFRD money which is mainly being delivered by the Welsh Government.
Business
Help to Buy Wales extended – new homes in Haverfordwest available through scheme

THE WELSH GOVERNMENT has extended the Help to Buy – Wales scheme until September 2026, offering new opportunities for buyers to secure a property at the Augustus Grange development in Haverfordwest with financial assistance.
The scheme enables eligible buyers to purchase a new-build home valued up to £300,000 with just a five per cent deposit. The remaining amount is covered by a 75 per cent mortgage and a 20 per cent shared equity loan, which is interest-free for the first five years.
Five-star housebuilder Lovell Homes, which is delivering the development in partnership with Pobl Group, is encouraging potential buyers to explore the scheme’s benefits. Located off St David’s Road, Augustus Grange comprises 115 two and three-bedroom homes and lies just six miles from the Pembrokeshire Coast National Park.
Unlike some support schemes, Help to Buy – Wales is open not only to first-time buyers but also to existing homeowners looking to move.
A number of three-bedroom properties are currently available at the site, including the popular Lambourne and Lansdown designs.
Suzie Hewitt, regional sales director at Lovell Homes, said: “Help to Buy – Wales is a brilliant initiative and we’re delighted that it has been extended to 2026. For many, buying a home is the biggest financial step they’ll take, and this scheme makes that step more accessible.
“We’re offering a range of high-quality homes under £300,000 at Augustus Grange – perfect for first-time buyers, growing families, and those looking to rightsize. We encourage anyone interested to contact our sales team.”
Haverfordwest, the historic county town of Pembrokeshire, offers a mix of heritage and modern amenities. With its 12th-century castle, riverside walks along the Western Cleddau, a selection of shops and restaurants, and good transport links, it’s an attractive location for both families and commuters.
The Augustus Grange marketing suite is open daily from 10:00am to 5:00pm. For further information, visit newhomes.lovell.co.uk/developments/augustus-grange-haverfordwest or call 01437 468024.
Terms and conditions apply. Full details on the Help to Buy – Wales scheme can be found at lovell.co.uk/offers/help-to-buy-wales.
Lovell Homes recently received a Gold award for customer service from In-house Research, with 93.6 per cent of South Wales and West customers saying they would recommend the company to friends and family.
Follow Lovell Homes:
- Facebook: facebook.com/lovellhomes
- Instagram: @lovell_homes
- LinkedIn: @LovellPartnershipsLtd
Business
Big changes made to major Cosheston solar farm development

AMENDMENTS to a previously granted scheme for a south Pembrokeshire solar farm by using higher specification panels which would actually see less land covered have been approved by county planners.
Last year, plans for a nine-megawatt solar farm at West Farm, Cosheston, near Pembroke Dock by James Wallwork of One Planet Developments Limited were approved by Pembrokeshire County Council.
The applicants said the scheme would generate enough power for 2,500 homes.
The scheme was initially recommended for refusal before a later recommendation for approval at last March’s planning committee; the scheme supported by Cosheston Community Council, which said the plans would be a natural rounding-off of the site, with no detrimental impact as it would neighbour the existing solar farm.
A supporting statement, through agent Mango Planning & Development Ltd, said: “The proposed development would contribute circa 9,337,000 KWh of renewable electricity to the local area, which will typically produce enough green electricity a year to power about 2,500 homes.
“The proposed development is for a temporary 40-year timescale and will be fully reinstated at the end of its operational life. There will be no loss of agricultural land.”
After last year’s approval, the applicants had asked for a change of planning conditions.
A supporting statement accompanying the amendment request says: “Subsequent to the grant of consent, the applicant has been advised that the solar panels originally proposed are no longer available. It is necessary, therefore, to substitute these with an alternative type.”
It says the proposed alternative panels would be slightly larger in size but “as a consequence of the improved specification of the proposed panels, a reduced site coverage is required to achieve the originally agreed output,” adding: “In particular, it is not now necessary to provide arrays in the small field at the east of the application site.”
The proposed amendments have been approved by planning officers.
Business
Permission for new Jeffreyston charcuterie business refused

A SCHEME for a rural Pembrokeshire One Planet Development, which would eventually include a charcuterie business using meats from a rare breed ‘flerd’ and a ‘natural health service’ has been turned down by county planners.
In an application to Pembrokeshire County Council, Malcolm and Nichola Blunsden sought permission for the One Planet Development including a three-bed house, polytunnel and a freestanding photovoltaic array at Covert View, some one kilometre from the village of Jeffreyston, near Kilgetty.
A supporting statement through agent Sureline Design Services Ltd said of the applicants: “They have experience of managing this piece of land and are excited to have the opportunity to develop their ideas for an eco-house, rare breed ‘flerd’ [mixture of a flock and herd], a charcuterie business and a ‘natural health service’ that brings local community groups and schools closer to nature.”
Covering a five-year plan, it says the applicants would produce 56 per cent of their own food, with a small vegetable garden and polytunnel as well as a flock of chickens and ducks for eggs and meat, and will also keep geese, sheep, pigs and cattle for meat; the main enterprise on site will sell fresh meat and charcuterie products from the sheep, pigs and cattle.
“In addition to this they will develop a subsidiary enterprise based on community groups and general public visiting the site for educational and therapeutic purposes,” the statement adds.
Detailing the ‘Cleddau Charcuterie’ proposal, it says: “The overall objective is to use traditional rare breeds of Welsh farm animals, raise them in a dynamic ‘flerd’ (mixture of a flock and herd) to create a rich tapestry of diverse meadows in a regenerative ‘mob’ grazed system whilst also building soil carbon.”
It says the meats produced will be slaughtered and butchered locally and then cured in a purpose-built meat curing room, this will be located in one of the existing farm buildings on site.
“Research undertaken by Malcolm suggests a high demand for locally produced fresh meat as well as charcuterie products with known origins and high animal welfare. The nearest producer for charcuterie is currently in Powys.”
An officer report, recommending refusal raised concerns about the robustness of financial figures and realistic possibility of achieving them, with “almost 90 per cent of the projected income would come from a single source, namely meat products production,” adding: “There is no supporting evidence from local schools or groups for a demand for the services offered. It is considered that there is not sufficient certainty to conclude that a significant proportion of the applicants’ food and income needs would be met on the site within five years”.
It also raised concerns about insufficient water resources on the site with a borehole required for drinking water.
The application was refused by planners.
Since the refusal, the application is listed as having an appeal against the decision lodged.
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