Buying a house is an exciting yet challenging process. It involves various considerations, from the location to the design, and even to the legalities involved. One of these considerations is whether or not to purchase a house with an attic room without building regulations. This situation often arises when the previous owner has converted the loft into an additional room without complying with local building codes. So, should you buy such a house? Let’s explore this question in detail.
Understanding Building Regulations
Before we delve into whether or not you should buy a house with an attic room without building regulations, it’s essential to understand what these regulations are and why they matter. Building regulations are standards set by local authorities that ensure the safety, health, and welfare of people in and around buildings. They cover aspects like structural integrity, fire safety, energy efficiency, accessibility, and more.
When it comes to loft conversions or attic rooms, these regulations ensure that the space is safe for use as living accommodation. They look at factors like structural stability (can the existing structure support the added weight?), fire safety (is there an escape route?), insulation (is it energy efficient?), staircase access (is it safe and convenient?), among others.
Risks Associated with Buying a House with an Attic Room Without Building Regulations
If you’re considering buying a house where the loft has been converted into an attic room without adhering to building regulations, there are several risks you need to be aware of:
1. Safety Concerns: The primary purpose of building regulations is to ensure safety. An attic room that hasn’t been checked for compliance might have serious safety issues like inadequate fire exits or poor structural stability.
2. Legal Implications: If you buy such a property and later decide to sell it, you may face legal challenges if your buyer discovers that your attic conversion doesn’t meet building regulations. You might be required to make costly adjustments or even face penalties.
3. Insurance Problems: Many insurance companies will not cover damages caused by non-compliant structures. This means that if something goes wrong with your attic room, you could be left footing the bill.
4. Mortgage Difficulties: Some mortgage lenders may refuse to lend on properties with non-compliant conversions, making it harder for you to secure a mortgage or sell the property in the future.
What Should You Do?
If you’re still keen on buying a house with an attic room without building regulations, there are steps you can take to protect yourself:
1. Get a Professional Survey: Before purchasing, hire a professional surveyor to inspect the property thoroughly. They can identify potential issues and give you an idea of any necessary remedial work.
2. Seek Legal Advice: Speak to a property lawyer about your situation. They can advise you on any potential legal implications and guide you through the process of obtaining ‘regularisation’ – retrospective approval for work done without consent.
3. Negotiate the Price: If there are significant issues with the attic room, use this as leverage to negotiate a lower price that reflects the cost of bringing it up to code.
4. Consider an Indemnity Policy: An indemnity policy can offer some protection against future enforcement action by local authorities, although it doesn’t fix any physical defects or guarantee that work will meet building regulations.
Conclusion
While buying a house with an attic room without building regulations isn’t necessarily off-limits, it does come with risks and challenges that need careful consideration and professional advice. By understanding these risks and taking appropriate steps, you can make an informed decision that suits your needs and protects your investment.