Uncovering The Legalities Of Building In Your Garden When You Have A Mortgage
Building in your garden can be a great way to expand your property, add value to your home, or simply create a space for you to enjoy. However, when you have a mortgage, there are certain legalities that come with this type of project. Let’s take a look at the legal and practical considerations.
Do You Need Permission From Your Lender?
In most cases, yes. You should always check with your lender or mortgage provider before you begin any building project in your garden. They may require permission, or even require you to pay an extra fee, as the additional structure could affect the value and safety of your property.
Checking Building Regulations
Before you can start building, you must check with your local authorities to make sure your project meets the necessary building regulations. This includes ensuring that everything is safe and up to scratch, as well as making sure that any work is carried out by a qualified and registered builder.
What About Insurance?
Any extra structure in your garden is likely to affect your insurance policy. You should contact your insurer and make sure that any additional structure is covered.
Can I build in my garden without a mortgage?
Yes, in most cases you do not need to obtain permission from your lender if you don’t have a mortgage. However, you should still make sure you check with your local authorities to ensure that your project meets the necessary building regulations.
Do I need planning permission?
In some cases, yes. If your building project requires the construction of a large structure, or even the creation of a temporary building, then you may need to apply for planning permission. You should always check with your local council before you begin any construction project.
Building in your garden can be a great way to add value and enjoyment to your property. However, when you have a mortgage, there are some legal considerations that need to be taken into account. Before you begin any project, make sure you check with your lender and local authorities to ensure that everything is above board.