Have I got any hope for planning? Corner plot for an additional terraced house

October 25, 2016 by dave in forum Planning Forum

#501 dave, 25 October 2016, 21:39

I’ve got a side plot which I think is big enough for another house, which would be an extension of the existing 1930s terrace.

I’ve rang the local council but they have said that they have stopped giving duty planning officer advice. They said they can provide advice for £300, but I wanted to come here to see if I would be wasting my money even asking them.

Some images of the possible plot:
- Overhead image (with the footprint of the house in the red box): https://www.dropbox.com/s/x84ixxhosa16d6v/plot.jpg?dl=0
- Side image of the plot: https://www.dropbox.com/s/2pwp4jxcsnjc6hg/front.jpg?dl=0
- Rear image of the plot (with the possible rear elevation of the house in the red box): https://www.dropbox.com/s/ec1kg75k945ep5q/side.jpg?dl=0

Grateful for any advice or thoughts.

Also, does anyone know the situation for building on the plot if I have a mortgage? Presumably the lender would need to agree and then the mortgage is transferred to the half of the plot that the existing house stands on?

#620 chrisb, 16 February 2019, 21:18

Hi dave,

How did you get on with this? I am looking to do something very similar. Are there any siginificant obstacles you came up against?


#627 Andy, 19 February 2019, 10:40

Can't advise on the planning application but I will state that you should definitely keep the mortgage lender in the loop.

All you need do is tell them what you are planning to do. They are normally happy to let you proceed, you are, after all, increasing your assets and ultimately reducing their financial risk by improving your properties value.

However, splitting the plot is another problem. Not all lenders are the same and will do things differently. Some might want you to clear your debt completely before they will change the deeds. Be careful with this.

Good luck

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