Extending your home: what are the legal considerations?
So your house was a bit of a squash and a squeeze over Christmas (which didn’t come as a surprise because it was the same the Christmas before) but this year you have resolved to do something about it! You probably have two options: move to a bigger house, or extend where you are.
There is no doubt that there is an enlarging group of ‘non-movers’ who can’t afford to unlock their equity and move into a larger property because incomes have remained relatively static. If, for whatever reason, moving is out of the question, extending might be a great alternative.
Surprisingly few clients consider the legal issues arising out of an extension project. It pays to do so early on to avoid any difficulties later, so it might be useful to set out some ‘dos and don’ts’:
- Do source reputable contractors – request references and view previous work
- Don’t assume the project can be completed under permitted development planning laws; a full planning application might be necessary and if so, you will need to factor this in to your timings
- Do consider whether building control will need to be involved and whether you will need to prepare structural calculations
- Don’t accept and sign a standard ‘JCT’ build contract; it’s unlikely to be on terms favourable to you
- Do take construction advice so that a bespoke build contract can be drafted to protect both you and your contractor(s)
- Don’t forget to advise your home insurers of the proposed works, to ensure cover continues during the works (and is elevated as necessary) notwithstanding that your contractors may provide some insurance cover
- Do contact your mortgagee to advise them of the proposed works; this will almost certainly be a condition of your mortgage and they may want to undertake a valuation
Unfortunately during construction works things can go wrong, and failure to get certain aspects right may result in you struggling to obtain a mortgage, or sell the property in future; good solid legal preparation beforehand is a wise investment and needn’t be too time consuming or complicated.
Anyway, just think of the extra space you will have for Christmas 2018!
This article was written by William Marriott and first appeared in Surrey Life. If you would like to speak to him about any aspect of buying or selling a house, email him at email@example.com or call him on +44 (0) 1483 252 519.
Charles Russell Speechlys advises discoverIE on its acquisition of Antenova
discoverIE is a leading international designer, manufacturer and supplier of customised electronics to industry.
Coded messages for landlords and tenants
“What does the code of practice mean for landlords and tenants? Read more here”
Ongoing supply chain crisis looms large over upcoming allergen law change
Property Professionals: Big Sheds and Logistics
Join us as we discuss the the key challenges facing operators and investors in the logistics space.
Form ESW1 – where are we now?
Charles Russell Speechlys advises Appital Ltd on £2.5m Investment led by Frontline Ventures
Appital is an Equity Capital Marketplace which aims to bring innovation to Equity Capital Markets.
The Surrey Chambers of Commerce report on the Charles Russell Speechlys' Community Fund's support of Surrey Young Carers
Action for Carers’ Surrey Young Carers service has been awarded a £3,000 grant from the Charles Russell Speechlys Community Fund.
Balancing health needs with a just outcome
A divorce case that highlights the sensitivities and special considerations when one party has significant health needs.
Returning to work post-lockdown: FAQs for employers
We look at some of the main issues employers may face and the key steps to consider as restrictions ease.
DBS publishes Annual Report - Barred list grows by over 4,000
Record success for Charles Russell Speechlys’ Private Wealth practice in Chambers HNW 2021 directory
We are delighted to have once again been recognised as a leader in our field in the Chambers High Net Worth 2021 Guide.
Charles Russell Speechlys releases H1 2021 deal highlights
Our deal highlights from the past 6 months are now available.
How Private is Wealth?
Understanding current obligations and what is on the horizon is key for private wealth advisers in this complex global tax environment.
Business South and the Surrey Chambers of Commerce report on Jonathan Steele's promotion to Partner
As part of the firm's annual promotions, Jonathan Steele was promoted to Partner in the Guildford office.
Property Patter: the news so far on landlord challenges to retail CVAs
We review some of the recent high-profile landlord challenges to tenant CVAs,
Charles Russell Speechlys advises Avicenna Group on duo of pharmacy group acquisitions
The acquisition takes Avicenna to a total of 135 pharmacy branches.
Charles Russell Speechlys have advised Taylor Wimpey UK Limited and Vistry Homes Limited, on the disposal of their interest in the Cambourne Business Park
The £12m land was originally designated as part of an employment zone in the new town, but will now be promoted for 275 residential units.
Disputes under more than one contract
Jurisdictional issues to remember if considering adjudication
Property Patter: Navigating the complexities of Pharmacy Property
Pharmacy property is a specialist area which contains many traps for the unwary.
Charles Russell Speechlys promotes five to Partner
The promotions are effective 1 May 2021 and are accompanied by one Legal Director and 15 Senior Associate promotions.