When a property wants to undergo structural alteration what needs to be sought?
Planning permission and/or regulations.
In what circumstance would extensions not require planning permission?
When they’re not higher than the highest part of the roof.
In what circumstance would the addition of other buildings not require planning permission?
When they don’t cover more than half the area of land around the original house.
In what circumstance would two-storey extensions not require planning permission?
Where they’re no closer than 7m to the rear boundary.
In what circumstance would an internal garage conversion not require planning permission?
Where it does not add to the size of the building.
In what circumstance would a single storey extension not require planning permission?
When they can project from the rear wall of the original property by up to 8m on a detached and 6m on other styles.
In what circumstance would a loft conversion not require planning permission?
Where they are smaller that 50 cubed metres for a detached and 40 for other properties.
What work typically requires planning permission?
- Building a new property
- Converting an existing building or changing use
- Dividing a single property
What are the steps to get planning permission?
- Contact the local authority and they will supply an application form
- Submit the application which will then be held on the application register
- The planning committee then inform you of the decision
What do lenders ask for when submitting an application in regards to property changes and why?
They ask if any changes to the property have taken place since it was built and they may need documentary evidence for this.
What do building regulations cover?
They concern the health & safety of people in a building.
Who can provide the building control service?
It can be provided by the local authority or by an approved inspector.
What are exempt from building regulations?
Includes building a garden wall, a detached garage under 30sq metres or carport extension under 30sq metres.
When is listed building consent required?
When the owner wants to:
- Demolish or change the property
What is a Grade 1 listed building?
Buildings of exceptional interest.
What is a Grade 2* listed building?
Buildings of particular importance.
What is a grade 2 building?
Buildings of special interest (94% of listed)
What listed building can English heritage be involved in?
On a grade 1 or 2* listed property.
What are 3 important environmental factors?
- Radon Gas
- High speed railway project
- London clay
What pays homeowners for excess energy exported to the national grid?
The Smart Export Guarantee (SEG).
What is the rent a roof scheme?
Involves a homeowner leasing their roof for around 25 years in return for the installation of solar panels on the roof.
Why don’t lenders like lending on those with rent a roof schemes?
The company have a legal lease to use the roof for 25 years.
Why don’t lenders like Agricultural Holdings?
Due to the security of tenure given to tenants which makes eviction difficult.
Who is affected by a HLC/MIG?
Concern borrowers who are buying a property at a high than normal LTV. When the LTV exceeds a certain threshold the lender may charge the HLC.
