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Master Bedroom in loft has no building regulations
Comments
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I think the problem is less to do with 'what is a bedroom' and more that the lender will revalue it as a 4- rather than 5-bed, and adjust their lending (LTV) accordingly. This may or may not be a problem.
An indemnity will not solve this.
We had the vendors regularise the loft conversion, so that BR signed it off. It cost them about 3 grand (sorting out the stairs, roof ventilation, fire alarms, fire-retardant paint, the inspections themselves), but they easily made that back in the price we (over!)paid. They also had the incentive of handing us a load of expensive problems that we didn't know about ... but that's another story.
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I think the problem is less to do with 'what is a bedroom' and more that the lender will revalue it as a 4- rather than 5-bed, and adjust their lending (LTV) accordingly. This may or may not be a problem.
An indemnity will not solve this.
We had the vendors regularise the loft conversion, so that BR signed it off. It cost them about 3 grand (sorting out the stairs, roof ventilation, fire alarms, fire-retardant paint, the inspections themselves), but they easily made that back in the price we (over!)paid. They also had the incentive of handing us a load of expensive problems that we didn't know about ... but that's another story.
There isn't a problem yet. Everything in the OP is the OP's anxieties, not a problem created outside!Everything that is supposed to be in heaven is already here on earth.
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I think the problem is less to do with 'what is a bedroom' and more that the lender will revalue it as a 4- rather than 5-bed, and adjust their lending (LTV) accordingly.
They ought to revalue as a 5-bed once they've been advised that there isn't any legal or practical difficulty.
If, say, the kitchen were in a ground floor extension, thought to have been built in the 1970s but with no paperwork, everyone would shrug their shoulders and get on with it. There wouldn't be an expectation that it should be revalued on the assumption that the house doesn't have a kitchen.0 -
If they've been using it as a bedroom for 15 years or more then I'd say it's likely it was done properly. As long as it has proper stairs and fire doors on the floors below then I'd probably not worry.0
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Doozergirl wrote: »There isn't a problem yet. Everything in the OP is the OP's anxieties, not a problem created outside!
You're right - but the OP doesn't want to be in the same situation when he comes to sell.
Unlike a normal room, loft conversions attract attention from surveyors, buyers, and mortgage companies - they need to see paperwork!!0
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