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Unauthorised Loft Conversions: What You Need to Know Before Getting a Mortgage

Last updated: January 15, 2024

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The Importance of Informing Your Lender

If you are buying a property, you need to ensure that any work done by the previous owners has all the necessary paperwork and permissions to go with it. Your solicitor should raise any issues during the conveyancing process. One common problem is discovering that the loft conversion does not have the necessary permissions or hasn’t had the Building Regulations signed off.


When it comes to unauthorised loft conversions, it’s crucial to keep your lender in the loop. Even if the seller is working towards obtaining a certificate, the fact that the conversion was unauthorised may still be recorded against the property. This information can potentially affect your mortgage offer.


By informing your lender about the situation, you are being transparent and proactive. It shows that you are aware of the issue and taking steps to address it. This can help build trust and ensure a smoother process.

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Potential Impact on Your Mortgage Offer


Now, let’s address the question of whether the unauthorised loft conversion would likely be an issue with your lender. It’s important to understand that different lenders have varying rules and criteria.


Some specialist lenders may be more lenient when it comes to unauthorised conversions, especially if the necessary steps are being taken to rectify the situation. They may consider a certificate as evidence that the conversion is now compliant with building regulations.


However, other lenders may have stricter policies and may view unauthorised conversions as a risk. They may require additional documentation or even decline the mortgage offer altogether.


Steps to Ensure a Smooth Process


To ensure a smooth process and increase your chances of a successful mortgage offer, here are some steps you can take:


  1. Inform your lender: As mentioned earlier, it’s crucial to inform your lender about the unauthorised loft conversion. Provide them with all the relevant details and any documentation related to the certificate being obtained.


  1. Seek professional advice: Consider consulting a surveyor who can provide insight into the situation. They can assess the conversion and provide an opinion on its compliance with building regulations. This information can be valuable when discussing the issue with your lender.


  1. Be prepared for potential challenges: Understand that there may be lenders who are more cautious when it comes to unauthorised conversions. If your current lender raises concerns or declines the mortgage offer, it may be worth exploring other lenders who may have more flexible policies.



Dealing with an unauthorised loft conversion can be a bit tricky when it comes to obtaining a mortgage. However, by being transparent with your lender and taking the necessary steps to address the issue, you can increase your chances of a successful outcome.


Remember, every lender has differHudson Roseent policies, so it’s important to communicate with them and seek professional advice when needed. If you have any further questions or need assistance, don’t hesitate to reach out to us at . We’re here to help you navigate the mortgage process smoothly.

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Contact Hudson Rose


If you have any questions or need assistance with your mortgage, feel free to contact Hudson Rose. You can reach us at 0330 122 9920 or email us at Our team of experts is ready to guide you through the process and help you find the best mortgage solution for your needs.


Remember, buying a property with an unauthorised loft conversion doesn’t have to be a daunting experience. With the right approach and support, you can overcome any challenges and secure your dream home.


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Hudson Rose Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Hudson Rose Services Ltd, trading as Hudson Rose. Registered Office: 7 Bridge Street, Nailsworth, Stroud, GL6 0AA
Registered Company Number: 11008147 Registered in England. FCA 799302

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