We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing slow loading times and errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.

Removing covenant

I have purchased the freehold of a house that had a restrictive covenant about building another property on my land
How do I challenge this, is it held by the builders or land registry and how do I find out if it’s enfirceable
It’s 20 years old and I’ve been told there’s more than enough room to build plus won’t affect value if nearby properties.
What night this cost and how long could it take?

Comments

  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    The covenant says who the beneficiary is. 20yrs isn't that long - it shouldn't be that hard to trace the beneficiary or their successor, and negotiate removal with them.
  • Slinky
    Slinky Posts: 11,645 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Isn't there a copy of the covenant in the documents you had from your purchase?
    Make £2026 in 2026
    Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
    Total £217.32 10.7%

    Make £2025 in 2025  Total £2241.23/£2025 110.7%
    Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10

    Make £2024 in 2024 Total £1410/£2024 70%
    Make £2023 in 2023 Total: £2606.33/£2023 128.8%






  • SmashedAvacado
    SmashedAvacado Posts: 1,262 Forumite
    1,000 Posts First Anniversary
    You offer to buy them out of it. If they agree, you can agree a deed of release and then register that at the Land Registry which will remove the covenant. They will expect you to pay them for the release. Your strongest argument to keep the cost down is to tell them that they'll get nothing if you wait 20 years. Wheras if they release you now, they will get something. They will argue that giving you the release is valuable to you and as such, they should get a part of that.
  • ashpan
    ashpan Posts: 361 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    Smashed avocado other than the length of time I’ve lived here being 20 years I’m not sure if the significance re the beneficiaries getting nothing, could you clarify please, many thanks. Also what’s a typical £ from being released from a covenant and time taken?
  • SmashedAvacado
    SmashedAvacado Posts: 1,262 Forumite
    1,000 Posts First Anniversary
    sorry i misread your first post - the covenant will continue to exist for as long as it is enforceable. Some have a time limit within the covenant. if yours doesnt, then the 20 year period makes not a lot of difference. What you need to know if the land which benefits from it - so go back to the deeds containing the covenant and work out what land they owned then.

    The beneficiaries get nothing if you don't buy them out. If you do buy them out, they get a windfall. Knowing who has the benefit is important. There are other factors - the covenant has to protect something of value - like the amenity of the area? does it do that?
  • ashpan
    ashpan Posts: 361 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    There was a bit of a hoo-ha when the land was sold to housing developers so the council slapped a woodland tree preservation order in the whole development! I guess it could be argued that another house on my (1/3 acre) plot may affect the general amenity so the owners may well be able to say no?
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    edited 21 May 2019 at 10:07PM
    ashpan wrote: »
    There was a bit of a hoo-ha when the land was sold to housing developers so the council slapped a woodland tree preservation order in the whole development! I guess it could be argued that another house on my (1/3 acre) plot may affect the general amenity so the owners may well be able to say no?
    You are just speculating.

    As smashedAvacado said, you need to refer to the original covenant, see exactly what it says, and identify who the current beneficiary is.

    In most cases, the LR property Title will refer to "a Conveyance dated xx/xx/xxxx between X & Y which contains a covenant prohibiting......". You then need to read the relevant conveyance. If the LR has a copy of this, it will say "copy filed" and for £7 you can apply for a paper copy using form OC2.
  • ashpan
    ashpan Posts: 361 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    the covenant is owned by Bryant Homes, house builders as far as i can tell so i guess i need to ask them for a price to remove it? currently there is a housing shortage in my area so im hoping it will be ok
    theres also a bit of confusion about who owns a 2-4ft wide strip of land between mine and neighbours property - even on the plans its not entirely clear - both builders and land registry, im hoping someone from the land registry can comment on this?
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    ashpan wrote: »
    the covenant is owned by Bryant Homes, house builders as far as i can tell so i guess i need to ask them for a price to remove it? currently there is a housing shortage in my area so im hoping it will be ok
    Unless you are planning to sell the land to Bryant, I don't see why they would be influenced by the housing shortage.


    the housing shortage might help you get Planning Consent, but that's a different topic.....



    theres also a bit of confusion about who owns a 2-4ft wide strip of land between mine and neighbours property - even on the plans its not entirely clear - both builders and land registry, im hoping someone from the land registry can comment on this?
    Do a Land Registry 'map enquiry' to identify ALL the registered Titles in the specific area:


    https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/MapEnquiryInit.do;jsessionid=UcEscNQTCV9HS9MWKi6htoGld5wNmkXQnwoAA5l_.b46504c9:frontend-web-0
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604.1K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.