14:20 PM, 5th April 2017, About 5 years ago 5
I am currently in the process of purchasing my first house. The property is a bungalow with a loft conversion providing four bedrooms upstairs, converted in 1981 with planning permission.
The problem we have encountered is that since the renovation was undertaken in 1981 it does not have a certificate of compliance with building regulations as apparently certification wasn’t required until 1985.
I wondered if anyone could shed some light on the situation as I imagine there must be a lot of cases like this for old houses?
What we do have is evidence of planning permission and the drawn plans for the renovation which include a stamp of approval from the planning office and instructions that building regulations should be followed. Our solicitors have instructed for a search at the local planning office by a search provider to identify if there are any records relating to the building regulations of the loft. We are currently impatiently awaiting feedback from the searches which were carried out last Friday.
The solicitors have said that if sufficient documentation is not found then we will need to notify the lender who may ask for an indemnity policy.
It doesn’t make that much sense to me that the lender will ask for an indemnity policy, even though a certificate of building regs was not required at the time. We are also planning to do our own renovation work once we complete so would ultimately invalidate any indemnity policy when we get future work certified.
My questions are:
1) Is this the norm for renovations before 1985?
2) Are the solicitors required to inform the lender even though a certificate was not required for the renovation and planning permission was approved?
Any advice or previous experience of this situation would be appreciated. We would like to exchange as soon as possible but don’t want to rush into something risky.
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