Should we proceed with an Indemnity policy for a property with planning uncertainty

YoungBlueEyes

This might be a bit pedantic, but just to check - was the house all built at once, or was the playroom/4th bedroom added later? As an extension up over the garage or something?

I'm wondering if your house was built as a 3 bed because of parking (or whatever), the playroom later added over the garage, and they're now selling it as a 4 bed...

dark_knight005

Thanks for all the comments. Sorry haven't replied to all of them as I have had a busy weekend.

In terms of parking there is currently off road parking where you can fit at least two cars.

dark_knight005

Also I have had confirmation from my solicitor that the seller is paying for the indemnity policy. I just wanted to confirm that if this policy will affect if we wanted to extended the property and apply for new planning permission which I wasn't sure about, so I have asked my solicitor and they are checking this for us.

dark_knight005

YoungBlueEyes said:

This might be a bit pedantic, but just to check - was the house all built at once, or was the playroom/4th bedroom added later? As an extension up over the garage or something?

I'm wondering if your house was built as a 3 bed because of parking (or whatever), the playroom later added over the garage, and they're now selling it as a 4 bed...

Hi @Y@YoungBlueEyes thanks for the reply. So there is no garage on the property and there dont seem to have been any external modifications from the original plans. The advertised fourth bedroom just is a playroom in the original plans.

user1977

dark_knight005 said:

Also I have had confirmation from my solicitor that the seller is paying for the indemnity policy. I just wanted to confirm that if this policy will affect if we wanted to extended the property and apply for new planning permission

It won't. It might if there had actually been a breach of planning (and the council were still within time to enforce, and had any motivation to do so). But like we've been saying from the beginning, there doesn't appear to be any breach anyway.

lincroft1710

I've just been looking at a book of house plans. 


Several have either GF or FF rooms marked "Playroom" or "Office" or "Study" or "Guest Suite" or "Studio". The nomenclature means nothing, it's just what the architect suggests the room could be used for.

dark_knight005

user1977 said:

dark_knight005 said:

Also I have had confirmation from my solicitor that the seller is paying for the indemnity policy. I just wanted to confirm that if this policy will affect if we wanted to extended the property and apply for new planning permission

It won't. It might if there had actually been a breach of planning (and the council were still within time to enforce, and had any motivation to do so). But like we've been saying from the beginning, there doesn't appear to be any breach anyway.

Thanks for this. Ye based on what everyone has said here seems like it fine. My solicitor however still recommending the indemnity policy which I think is fine as the sellers are paying for it but we just didnt want it affecting future extensions and plans.

dark_knight005

Still waiting for confirmation on this from the solicitor. They are so slow

dark_knight005

lincroft1710 said:

I've just been looking at a book of house plans. 


Several have either GF or FF rooms marked "Playroom" or "Office" or "Study" or "Guest Suite" or "Studio". The nomenclature means nothing, it's just what the architect suggests the room could be used for.

Thanks for this it does give me and my partner a lot more confidence at least in the purchase ... maybe not in our solicitor though