Kitchen conservatory

Kahon

I'm purchasing a house that has "kitchen conservatory" which now turned illegal. I asked the seller if she had a planning permission as I knew that plumbing needs a permission and she said yes. So I made an offer and it accepted. Had home buyers survey and the servoyer said he'd never seen "conservatory with concrete wall" and I asked my solicitor if that would be a problem and she said let's wait for searches. My bank wanted to have its own survey and mortgage didn't go through. The reason was "kitchen in conservatory" my mortgage is very small, only 14% of the house price.

So now I found out:
• The previous owner didn't have a planning permission for kitchen. That means you could only make conservatory which has to be used the same material to the house which is bricks.
• the conservatory's wall is concrete, not bricks.
• it's been 10years after its built that means the extension is lawful.

I'm asking the owner:
• a big reduction on the house that I can rebuild a proper extension. And the owner will pay for another mortgage application with a bank that its policy is less strict than mine.
• or even bigger reduction but in cash.

My question is:
• when I rebuild a extension would I need to apply a planning permission? Or because it's lawful I could get lawful certificate or that sort of thing?
• is there a lender who would lend money on that house?
• how much it'd cost for a proper basic extension with bricks and tiled roof. It's 7mx3m.
• should I reconsider, not to touch it?

Any advice would be really appreciated,

Thanks

Typhoon2000

Kitchens don't need planning permission and most conservatories don't need planning permission. Conservatories can be made of anything, brick, stone glass etc, it does not have to match the house.
Most likely the mortgage company is classing this house as not having a kitchen ( as the kitchen is in the conservatory and not the house) and hence not able to lend.
Most extensions fall under permitted development and don't need planning permission either.

Davesnave

It might cost around £25- £30k to turn a dodgy conservatory 20m2 into a conventional extension with basic kitchen. The exact amount depends on location(labour costs) and ease of access to the site.

It might count as permitted development and it might not, depending on exact circumstances/location, but the build would have to be inspected at stages and signed-off by the council's building inspector to meet building regulations.

No one will lend on a house without a kitchen inside the main building with a working sink and ( I believe) H&C water supply.

Have a look at this:
https://www.planningportal.co.uk/info/200125/do_you_need_permission

Kahon

So would you think the seller needs to do the work to make it into proper extension from conservatory before selling? Could you think of any way that I can offer? Thanks!

Kahon

Thank you for the advice. Could you think of any ideas that I can do to purchase the house please?

PasturesNew

Kahon wrote: »

So would you think the seller needs to do the work to make it into proper extension from conservatory before selling? Could you think of any way that I can offer? Thanks!

The seller has to do nothing. What they choose to do will depend on their circumstances, options and choices.

Nobody here can really even guess at the answer to what's needed/desirable as we've no idea what it looks like.

If you can provide a Rightmove link people might look/suggest.

If you can't paste links (too new), then paste it - then remove the http:// www part so it can be copied/pasted by those motivated enough to have a look.

hazyjo

Kahon wrote: »

So would you think the seller needs to do the work to make it into proper extension from conservatory before selling? Could you think of any way that I can offer? Thanks!

Can't see why they'd need to add an extension. There must surely have been a kitchen in the house at some point so they need to move it back in.


Unless they sell at auction or sell to a cash buyer? You can't force their choice or make them do work. But if they want to sell to someone with a mortgage, they will have to find a workaround.


Jx

G_M

The seller may

* may or may not not have enough money to do the conversion themselves, which they may wish to do if you don't buy
* may agree to reduce the price to you, or may not be able to (eg if their mortgage is close to the sale price) or may not wish to (eg if they would then not be able to afford to buy elsewhere)
* is more likely to agree tto cover your cost of a new mortgage application, as this is a relatively small amount - but may refuse
* may choose to simply not move

All you can do is ask and see what happens.

Is there any quick, easy cheap way to put a 'kitchen' inside the main house? All it needs is to install a sink & cooker in one room. This would then satisfy the mortgage lender. What you do after you've bought the property is up to you - remove the sink/cooker and put back in the conservatory? Build an extension? Up to you by then.

lincroft1710

Kahon wrote: »

• should I reconsider, not to touch it?

May be the best and simplest solution

Kahon

Thank you guys. Sounds like it's going to be difficult to find a lender without a change. having another kitchen in their living room might be the cheapest solution in oder to find a lender but its wasting money (Sigh)

Doozergirl

Could you share the rightmove listing with us?