One for the property legal gurus out there.
One for the property legal gurus out there.
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Discussion

E-bmw

Original Poster:

13,308 posts

181 months

Thursday 30th July
quotequote all
We are in the process of moving & would like to put up a small (2m x 2.5m) extension to house an en-suite, it would be on the front of the property.

The property "covenants" say building to the front isn't allowed but they also say the builder can override/change this & that the builder (still trading) should in all cases approve building changes beforehand.

Obviously I am trying to get an appointment to meet with them beforehand to discuss this before we put any money into the plans etc.

But there are several houses in the road that have actually gone ahead without doing this as planning permission does not routinely refer to any covenants or original buildings anyway. So the precedant has been set (with the local planning dept) for building where it shouldn't be allowed by the covenant.

My question is, if I were to just go ahead, apply for planning and (assuming it were granted) go ahead with the work, would there ever be any come back further down the line due to NOT adhering to the covenant?

smokey mow

1,400 posts

229 months

Thursday 30th July
quotequote all
Potentially yes.

Planning will only consider your application against the planning requirements (statute). The covenant is a civil matter and enforced by the beneficiary and not the local authority.

E-bmw

Original Poster:

13,308 posts

181 months

Thursday 30th July
quotequote all
smokey mow said:
Potentially yes.

Planning will only consider your application against the planning requirements (statute). The covenant is a civil matter and enforced by the beneficiary and not the local authority.
You are kind of saying what I would expect WRT planning hence how others have managed it.

Hence why I want to get them on-side before going ahead.

To add another (length of a piece of string) question, if I did go ahead without prior approval from the builder & they decided further down the line to take civil action, what form might this take?

Arrivalist

3,445 posts

28 months

Thursday 30th July
quotequote all
Many of these covenants are put in place to stop extra development before the developer has sold the final plot.

Once that’s happened I don’t think there’s much interest in enforcement.

Obviously can’t guarantee that’s always the case.

RotorRambler

1,348 posts

19 months

Thursday 30th July
quotequote all
“ It would normally be a civil claim for breach of covenant. They could potentially seek an injunction to reverse the work or claim damages, but whether they’d actually pursue it depends on the specific covenant, whether they still have the legal right to enforce it, and whether it’s worth the time and cost”

As the builder is still trading, perhaps best to just ask them? Most covenants are basically to keep the development looking nice until they are all sold..

My house was built in 1970 & it along with most houses in the road have had work done, against the numerous and often daft covenants.
If we sell, the next buyer can buy a very cheap insurance to cover it. As it is so cheap, that would infer that it is very unlikely to be used! So a box ticking / money spinner .

trickywoo

14,124 posts

259 months

Thursday 30th July
quotequote all
I’m pretty sure the covenant holder would need to be able to demonstrate a loss due to your breach for a successful action. Given others have already done the same and nothing has happened I’d just crack on.

A new infill house got built opposite me and they ignored covenants as well as planning. They were supposed to build a bike shed with charging which they didn’t do. The planning clause is actually showing as refused on the council site but I’d put money on nothing ever happening. It’s been like that for a year with people living in it despite the planning saying occupation is not allowed until all their clauses are completed.

Sheepshanks

40,851 posts

148 months

Thursday 30th July
quotequote all
E-bmw said:
But there are several houses in the road that have actually gone ahead without doing this ....
How do you know they didn't get approval from the builder?

E-bmw

Original Poster:

13,308 posts

181 months

Thursday 30th July
quotequote all
Sheepshanks said:
E-bmw said:
But there are several houses in the road that have actually gone ahead without doing this ....
How do you know they didn't get approval from the builder?
Because the builder told me so.

OutInTheShed

14,337 posts

55 months

Thursday 30th July
quotequote all
The originator of the covenant may not be the only beneficiary?

If the covenant is there to stop you building some eyesore extension, everyone else in the road also benefits.
In this case they may have diluted that by building their own eyesore extensions.

A covenant on one plot can be contractual for the agreement between the developer and the buyer of another plot.
Sometimes it's there to prevent 'over development'.
AIUI, it can get messy and expensive.
There are specialist lawyers for this.

You could tell the vendor you'll only buy if he gets the covenant removed or settled or whatever?

RotorRambler

1,348 posts

19 months

Thursday 30th July
quotequote all
E-bmw said:
Sheepshanks said:
E-bmw said:
But there are several houses in the road that have actually gone ahead without doing this ....
How do you know they didn't get approval from the builder?
Because the builder told me so.
That might be a problem
When you sell, you can’t get covenant insurance if the developer knows about the work etc. Which they would have guessed as you asked?!

E-bmw

Original Poster:

13,308 posts

181 months

Thursday 30th July
quotequote all
I realise that, hence my doing it properly. My questions around what if I don't are purely hypothetical.

C Lee Farquar

4,226 posts

245 months

Thursday 30th July
quotequote all
RotorRambler said:

If we sell, the next buyer can buy a very cheap insurance to cover it. As it is so cheap, that would infer that it is very unlikely to be used! So a box ticking / money spinner.
I would say it infers they rarely pay out, other than commission to the conyenancer.

Actual

1,712 posts

135 months

Thursday 30th July
quotequote all
It was reported recently and it was mentioned in a thread on this site that speculative investors were buying defunct developer land titles so that they could enforce long forgotten covenants on unsuspecting neighbours. Very dastardly but a genius way to make money.

Bill

58,529 posts

284 months

Thursday 30th July
quotequote all
E-bmw said:
...it would be on the front of the property....
Isn't this in issue WRT planning??

Arrivalist

3,445 posts

28 months

Thursday 30th July
quotequote all
Bill said:
E-bmw said:
...it would be on the front of the property....
Isn't this in issue WRT planning??
Can be wrt the building line.

v8notbrave

628 posts

42 months

Thursday 30th July
quotequote all
Simply for the cost Vs benefit is such a small extension worth it? Can u be more ambitious, once they're doing footings, walls etc the incremental cost of say an extra metre isn't huge

BlackTails

3,788 posts

84 months

Thursday 30th July
quotequote all
E-bmw said:
To add another (length of a piece of string) question, if I did go ahead without prior approval from the builder & they decided further down the line to take civil action, what form might this take?
Assuming the builder actually took legal action (which has many variable to it) he would ask for a mandatory injunction to compel you to demolish the extension and restore the property the state it was in prior to the work.

Failure to abide by an injunction is enforced by contempt of court, which would be initiated by the builder. Penalties if in contempt range from fines to a period of time in prison.

E-bmw

Original Poster:

13,308 posts

181 months

Friday 31st July
quotequote all
Arrivalist said:
Bill said:
E-bmw said:
...it would be on the front of the property....
Isn't this in issue WRT planning??
Can be wrt the building line.
As above, others (one horrendous looking one) have done it.

Not saying that means I will just do it mind.

E-bmw

Original Poster:

13,308 posts

181 months

Friday 31st July
quotequote all
v8notbrave said:
Simply for the cost Vs benefit is such a small extension worth it? Can u be more ambitious, once they're doing footings, walls etc the incremental cost of say an extra metre isn't huge
Yes it is, we don't NEED the extra space, we are downsizing, this just gives us an extra bathroom in the shape of an en-suite if anyone but us is there, which is all we want.