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unmortgageable house

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  • kittyb49
    kittyb49 Posts: 9 Forumite
    Third Anniversary First Post
    GDB2222 said:
    Have you done any costing of this project? As others have said, you would need a development loan. 
    i've been speaking to my mortgage broker and hes looking into for me 
  • kittyb49
    kittyb49 Posts: 9 Forumite
    Third Anniversary First Post
    sheenas said:
    It not a dwelling so almost certainly not as is. You would to look into a self build project after you get planning permission to convert it to a dwelling. It will definitely need a kitchen and bathroom for a standard mortgage.
    there is already planning permission for the new house to be built but tbh i would be happy in the bungalow 
  • GDB2222
    GDB2222 Posts: 26,234 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Having taken down the main house, do you plan to rebuild it? 
    No reliance should be placed on the above! Absolutely none, do you hear?
  • kittyb49
    kittyb49 Posts: 9 Forumite
    Third Anniversary First Post
    GDB2222 said:
    Having taken down the main house, do you plan to rebuild it? 
    i prob wont tbh maybe in the future when i have the money saved up 
  • GDB2222
    GDB2222 Posts: 26,234 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I think everyone assumed that you were planning to rebuild the main house. 

    One issue, a really big one, is planning permission. You could find the council taking enforcement action if you turn an outbuilding into the main building on the site. You might be wise to speak to a planning consultant about this. There’s a fee to pay, but it may save a lot of headaches. 
    No reliance should be placed on the above! Absolutely none, do you hear?
  • kittyb49
    kittyb49 Posts: 9 Forumite
    Third Anniversary First Post
    GDB2222 said:
    I think everyone assumed that you were planning to rebuild the main house. 

    One issue, a really big one, is planning permission. You could find the council taking enforcement action if you turn an outbuilding into the main building on the site. You might be wise to speak to a planning consultant about this. There’s a fee to pay, but it may save a lot of headaches. 
    ohh thank you thats good to know :smile: i will check about what planning permission they have on the bungalow when i visit tuesday 
  • Yorkie1
    Yorkie1 Posts: 12,018 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Just thinking more broadly, you say that the bungalow is currently classed as an outbuilding even though it has a kitchen and bathroom. Is there any possibility that the council might want to deem it a separate property for council tax purposes?
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