FAQ: How To Sell A House When You Don’t Have A Completion Certificate?

Can you sell a property without a completion certificate?

A completion certificate is issued when any building work done in your property is inspected and approved by professional building control surveyors. Although you can sell your home without a completion certificate, you may not get as much for it.

Can you get a mortgage without a completion certificate?

Mortgage lenders need to know the details If there’s no completion certificate it introduces an element of risk for the mortgage lender and they’ll most likely need some form of protection from the risks.

What happens if no building regulations approval?

The Local Authority has to see that building work complies with the Regulations. If the work does not comply, you may be asked to alter or remove it. If you fail to do this, the Local Authority may serve a notice requiring you do so within 28 days, and you will be liable for the costs.

How do I get a completion certificate?

Documents required for Completion Certificate

  1. Copy of the lease deed or sale deed.
  2. Building plan.
  3. Copy of the building plan approval and the permission letter.
  4. Up-to-date tax paid receipt (photocopy).
  5. Water tax receipt (photocopy).
  6. Under Ground Drainage (UGD) connection charges receipt (photocopy).
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How long does it take to get a completion certificate?

A completion certificate should be received within eight weeks of completion of the building work if it complies with the regulations.

Who gives completion certificate?

A completion certificate is awarded by local authority (whether it is development authority, municipal corporation or panchayat) after thorough evaluation of the building. As a result, it assures buyers that the construction work has been executed in accordance to the defined norms and approved designs.

How much does a completion certificate cost?

We can provide a completion certificate for completed works where the original building regulations applications was handled by us. If you are the homeowner or appointed agent, we are able to provide copies of completion certificates for completed applications. There is a cost of £75 for each copy.

Should I buy a house without completion certificate?

Without a completion certificate this description is inaccurate and could amount to misrepresentation. You could walk away, as you have not yet exchanged contracts. Alternatively, you could establish the value of the property with two bedrooms and make an offer for that amount.

Can a house be sold without building regs?

The easiest, cheapest and most common way of dealing with a lack of building regulations approval is by purchasing an indemnity insurance policy. An indemnity policy will cover the new owner of the property against costs and losses as the result of the local authority carrying out enforcement action.

Is there a time limit on building regulations?

A Building Regulation application is valid for three years from the date of deposit. If you have started the works within the three years, there is no time limit to finish. however the onus is on the owner to ensure regular visits to check progress are being requested.

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What is exempt from building regulations?

Extensions, garages, conservatories, porches and other types of work may be exempted from Building Regulation approval if they meet specific criteria. Some building works are ‘ exempt ‘ from needing building regulations approval if they satisfy specific requirements.

What is the 4 year rule?

The ‘ 4 Year Rule ‘ allows you to make a formal application for a certificate to determine whether your unauthorised use or development can become lawful through the passage of time — rather than compliance with space standards — and can continue without the need for planning permission.

Do you need a completion certificate?

On completion of any structural works or works which involve changing of pipes or services, a house owner should obtain a completion certificate confirming the works have been carried out to the required standard from the Building Regulation Department of the local council.

How do I write a work completion certificate?

Work Completion Certificate Contents

  1. Date of completion.
  2. Contractor information (Name, company name, address, phone number etc)
  3. Name of the project.
  4. Description of the project ( work period, work order number, total budget etc)
  5. Additional details which may be requested by the clients.
  6. Authorized Signatory.

What is a house completion certificate?

A completion certificate is proof that the building work has been carried out in accordance with Building Regulations and therefore, as far as can be reasonably determined, is built to certain standards.

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