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!

Auction property

24

Comments

  • silvercar
    silvercar Posts: 51,402 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper

    I'd be asking a solicitor the risks before you talk to a structural engineer or surveyor.

    If the property doesn't have permission to exist as a separate dwelling, you could be buying nothing!

    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Albermarle
    Albermarle Posts: 32,625 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper

    For info we see a lot of threads on here, where there is a house that has had the loft converted, but without building control sign off. This brings two significant problems;

    1. A loft conversion is a significant building project, involving the integrity of the roof structure and needing significant strengthening of the floor and a proper staircase fitted. It has to be done properly and supervised by building control.
    2. Without the correct paperwork, it can not be classed as a habitable space, and should only be used for storage etc.

    I know your situation is different, but thought the info might be useful.

  • sheenas
    sheenas Posts: 566 Forumite
    500 Posts Second Anniversary Name Dropper

    2 different things here Building control and Planning permission. The latter is a big issue as you could end up having to put the property back as it was.

    Building control not signing off the conversion will prevent a Mortgage and most likely sale of the property. I wonder what state the dead are in regards things like party wall agreements.

  • poseidon1
    poseidon1 Posts: 3,643 Forumite
    1,000 Posts Third Anniversary Name Dropper

    From the outset of OP's post there was the suggestion that this was a property in Scotland and as later confirmed a conversion of a pre-existing tenement building to carve out a new tenement flat in the loft space.

    If this is the position it appears such conversions would only require formal planning permission if the tenement was in a conservation area or the building itself was Listed - as indicated below

    https://www.archiplanglasgow.com/tenement-alterations/

    However, it appears the works may or may not have

    • A Building warrant
    • Structural engineers report
    • Fire Standards compliance
    • Completion certificate
    • Formal consent for the conversion from all the pre exsisting co owners of the tenement building
    • Formal confirmation in the deeds that the loft did not already belong to the flat below. If the deeds are silent on this question the presumption is the loft does attach to the flat below, so has separate title been correctly created?

    Depending on how many elements of the above are missing, unknown or otherwise unresolved, this could as suggested by @TroubledTarts lead to a worse case scenario that OP ends up acquiring a space that cannot be used as a residence, unless there is conclusive evidence the local council already recognise it as such.

    Does appear to be a high risk venture, where OP should not let heart rule head unless they can afford to expend monies for what could in the extreme turn out to be a well appointed 'storage space'.

  • Catonthemoon
    Catonthemoon Posts: 137 Forumite
    100 Posts First Anniversary Name Dropper Photogenic

    I can’t see where the OP has mentioned that the property is located in Scotland. Unless you’re assuming that Coronation Street is in Glasgow (I thought it was in Manchester) 🤷‍♂️

  • Valli
    Valli Posts: 26,106 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    My understanding is that 'tenement' is often used in Scotland to describe multi-occupancy dwellings but other than that I can't understand why this might be Scotland.

    Don't put it DOWN; put it AWAY
    "I would like more sisters, that the taking out of one, might not leave such stillness" Emily Dickinson
    :heart:Janice 1964-2016:heart:

    Thank you Honey Bear
  • GDB2222
    GDB2222 Posts: 27,296 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Bear in mind that the auction guide price may bear no relation to the final sale price. So, you might be spending lots of money on legal and survey advice but find that the price of the property escalates so it’s not worth taking the risk.

    No reliance should be placed on the above! Absolutely none, do you hear?
  • poseidon1
    poseidon1 Posts: 3,643 Forumite
    1,000 Posts Third Anniversary Name Dropper

    The intial clue ( at least from my perspective) was OP's reference to a Home Report being available for this auction property in the opening post.

    I associate vendor supplied Home Reports with Scotland.

    This coupled with later reference to a tenement property, strengthened the likelihood this was a Scottish Property, but if OP is still engaging with this thread they will no doubt clarify at some point.

    On a more flippant note although not common, there are a couple of 'Coronation Streets' in Scotland.

  • user1977
    user1977 Posts: 19,959 Forumite
    Eighth Anniversary 10,000 Posts Photogenic Name Dropper

    If this is the position it appears such conversions would only require formal planning permission if the tenement was in a conservation area or the building itself was Listed

    As I said above, the subdivision of the property would need planning, irrespective of what the physical works might need.

    Correct though in saying this is clearly Scotland given the references to Home Report, tenement and a title plan which is in the style of the Land Register of Scotland.

  • XXI
    XXI Posts: 9 Forumite
    Sixth Anniversary Name Dropper First Post Combo Breaker

    Hi all

    Many thanks for all your comments and help.

    I spent the whole day yesterday in the area and viewed the property. The aesthetics are lovely from a distance and the whole vibe is very rustic however looking closely, the building work and alterations also looked very rustic. A bit too rustic for my liking. It would be an absolute nightmare if it had to be converted back to it's original layout and it didn't look particularly safe as is.

    I looked on the councils portal for any planning applications and didn't find any. I did ask the vendor about the lack of planning permission and consents and he said that he obtained a plan from the council however he didn't like the look of it so decided not to proceed with their plan and went with his own. 

    It's such a shame but I think I've definitely avoided the potential of a huge heartache.

    Thanks all so much for your input. It was much appreciated.

★ ★ ★ 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
  • 355.6K Banking & Borrowing
  • 254.8K Reduce Debt & Boost Income
  • 456.1K Spending & Discounts
  • 248.2K Work, Benefits & Business
  • 605.7K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K 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.