UK Property Law
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Do you refer to BRs relating to the conversion into flats please?
If so when was the conversion carried out?
I refer to any BR requirements for the conversion
I applied for planning permission in 2004 and was granted, then did not have the money to complete the work according to the plan. I did piece meal work such as fitted a kitchen to the upstairs flat and separated the utilities in 2005-2006
it was used as 2 flat since 2005
Thanks. So was the conversion completed in 2006?
the conversion is not complete
as per the plans
as the permission lapsed in 2009, and I want to develop it properly now that I should have the funds, I applied for CLEUD a few weeks ago
Thanks. So you intend to carry out further work to complete the development?
it will be mostly creating proper entrance doors to each flat and renovation, fitting up to date kitchen, bathroom etc
Is it your intention to sell the flats on once conversion is complete?
I have considered it yes, or remortgage
i do intend to release some equity from it
Thanks. You are likely to require a building warranty if you are intending to sell or remortgage a flat conversion. One of the most popular for self builders is a company called Buildzone though there are others
Most lenders will require a warranty on new conversions and new builds before they will lend so you will likely require one before you can sell or secure a mortgage.
They will appoint a building inspector to work with you to comply with building regulations and supply you with a building regulation completion certificate often under the contracted out scheme where private companies are empowered to issue completion certificates.
The current building are technical and divided into a number of sections and can be found here:
ok, so to sell the flats after the renovation works, would building regs be required in that case?
If you are carrying out the work yourself and lack technical knowledge of the requirements you may consider appointing a surveyor or architect to advise on works as you go along so you do not find yourself with a potentially expensive mistake to rectify
Building regulations will be required to sell or remortgage. Providing the work is complaint BRs are simple to obtain however as above.
I heard about indemnity insurance, instead of building reg cert, where does that fit in?
You can obtain this but most insurers will only insure after 12 months following completion of the works and you will not be able to obtain a warranty without building regulations.
If you intended to sit on the property for at least 12 months following completion you may be able to avoid both a warranty and building regulations and opt for insurance instead but some buyers will be put off by the lack of the same irrespective of insurance.
ok, do you know rough cost figures for warranty/BR cert (for example from buildzone) for converted 4 bed terraced house?
reason i ask is that i am trying to get a cost budget for the total work required
Not with any degree of accuracy I am afraid as it is a quite separate industry to my own practice but at a rough guess I would suggest it would be £1200-1600. However they will be very happy to give you a quote and this should be obtained for budgeting purposes.
if it works out that the entire project to properly convert and BR is too high for me i will consider selling the entire property to a cash buyer
They are quite used to providing quotations as all builders will wish to build in their cost to their budget.
ok, i believe i have my answer
A pleasure. I wish you luck with the conversion and eventual sale.