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!

Buying a property with no building regs

We are in the process of buying a Victorian terrace. It has an existing extension to the rear and an attic room with no permissions. This has not been included in the sale as a bedroom.
The vendors bought the property 3 years ago with an Indemnity Policy in place. However they have since applied for planning for a new extension and to regularise the attic room. This will have elapsed by the time we complete, due to time wasting on the vendors part.
We have not yet had a survey. It was scheduled  for 6th Jan but the vendor turned away the surveyor, stating she knew nothing about the appointment. She later admitted to the EA she had lied because she'd forgotten! Another appointment was agreed but she cancelled that one too! The next appointment has been scheduled for 22nd over two weeks delay!
My concern is that, as they have applied for planning to regularise the attic, this will invalidate the Indemnity. 
I understand the very limited scope of the policy, but worry that without it we might not be able to sell in future.
The vendor states she has no intention of extending the planning and will not negotiate  as she's already reduced the price (which even the EA had said was too high). Our solicitor hasn't been very helpful, stating planning is not in her remit. She's also shared my email to the vendor, with a query meant for her on our negotiating stance!
The planning application was for quite extensive work, a new rear extension, regularising the attic and replacing a bay window (it's in a conservation area). We have no intention of going ahead with rear extension but the window is a priority, the attic room less so. If she refuses to reapply, are we legally entitled to using the existing architects drawings?
Never having gone through a house purchase before, I'm really confused as to who my first port of call should be, the solicitor or the EA....some advise would be gratefully recieved!



«1

Comments

  • bobster2
    bobster2 Posts: 1,036 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Personally - if I was dealing with a seller who turned away my surveyor twice - and lied - I would walk away.
  • kazwookie
    kazwookie Posts: 14,315 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I agree with bobster2, walk away.
    Breast Cancer Now 100 miles October 2022 100 / 100miles
    D- Day 80km June 2024 80/80km (10.06.24 all done)
    Diabetic UK 1 million steps July 2024 to complete by end Sept 2024. 1,001,066/ 1,000,000 (20.09.24 all done)
    Breast Cancer Now 100 miles 1st May 2025 (18.05.2025 all done)
    Diabetic UK 1 million steps July 2025 to complete by end Sept 2025. 1,006,489 / 1,000,000 (10.09.25 all done)
    Sun, Sea
  • dryad_17
    dryad_17 Posts: 14 Forumite
    10 Posts
    The thing is, we've been looking now for over a year and really like the house. 🙄
  • user1977
    user1977 Posts: 18,165 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    When you say planning, do you literally mean planning or are building regulations involved as well? I’d have thought the latter to be more likely.
  • dryad_17
    dryad_17 Posts: 14 Forumite
    10 Posts
    They applied for planning with architect drawings etc to remove existing rear extension, to regularise an attic room and to replace and put a small roof over a bay window. But this lapses on 23rd Feb....no chance of completing by then!
  • dryad_17
    dryad_17 Posts: 14 Forumite
    10 Posts
    So yes, I would say building regs are involved.
  • sheramber
    sheramber Posts: 22,972 Forumite
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    You could only use the Architects plans if the seller gives you them.  She paid for them and they belong to her.

    Do you think she would  be willing to give them to you?



    Only you can decide if you  want to continue dealing with this seller, despite her  time wasting.

    Has she got a property lined up to move to?


  • RAS
    RAS Posts: 35,913 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    dryad_17 said:
    They applied for planning with architect drawings etc to remove existing rear extension, to regularise an attic room and to replace and put a small roof over a bay window. But this lapses on 23rd Feb....no chance of completing by then!
    I believe that this can be extended as long as some action is taken by the sellers to "start" the approved work, although I'm not sure it would automatically transfer to you?
    If you've have not made a mistake, you've made nothing
  • dryad_17
    dryad_17 Posts: 14 Forumite
    10 Posts
    Actually, given the property was marketed with planning consent, I'd like to think she'd hand over the plans? 
    The real concern is the Indemnity Policy. As they have applied to regularise the attic I'm guessing its worthless? Can we even proceed with no indemnity?
  • dryad_17
    dryad_17 Posts: 14 Forumite
    10 Posts
    I have no idea what her plans are, but i do know she NEEDS to sell. She certainly doesnt appear to WANT to though! There was a relationship breakdown, hence the lack of action with planning. 
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
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.