New apps to simplify planning applications to build extensions

For some time, the rules on planning have been difficult to interpret, particularly for homeowners planning one-off building extensions for extra accommodation or new kitchens. It has led to confusion and, in some cases, added cost for homeowners as many home improvements, such as kitchen extensions and loft conversions, do not need full planning permission. Lack of clear information has seen invalid applications submitted for what are called ‘permitted developments’ rejected with the subsequent wasting of time and money.

In response, the Ministry of Housing, Communities & Local Government has developed two new apps, which are currently being tested in three areas. The first one is designed to help guide homeowners, while the second will also help developers and architects by speeding up and simplifying the application process. In addition, it will help council planning officials manage permitted development applications – tracking progress and putting the information they need to make decisions in a user-friendly format. It puts the focus on data rather than documents, helping planners make decisions much more quickly and efficiently.

The new app for homeowners uses simple language and diagrams to help navigate the system. It asks a series of questions and determines whether the plans meet local and national requirements. Users can then apply within the app for the certificate they need to show their plans are permitted development, allowing building to go ahead.

According to the Ministry, it is a first step towards replacing the current, outdated, paper-based system with a fully digital process, which does away with 100 page PDFs and having to find information manually.

Assuming the trials are successful, apps will (presumably) then be made available for all smartphone operating systems.

For the many people who have been put off by the complexities of form filling as well of those who have lost money in fruitless attempts to apply, these new apps could hold the key to a simpler, stress-free method of planning application.

6 Steps To Buying Your First Home In 2021

Posted on 7 January 20214 February 2021

If you are determined 2021 will be the year you buy your first home, the sooner you start the process, the better.

There is a lot of work to consider when looking to buy property, especially for the first time, but it is helpful to break it down into steps. It will not surprise you to learn that many of the steps are focused on your finances, and your ability to pay off a mortgage associated with buying a home.

Work out how much of a deposit you need

The larger the deposit you have to offer, the more appealing the mortgage offer you will receive. Therefore, you need to plan to save as much as you possibly can.

In 2021, it is hoped there will be more 10% mortgages available for home buyers, so if this is in your budget, you have a good chance of stepping onto the property ladder this year.

See what help is available and take what you can

First-time buyers need help, and it is pleasing to know there is a range of saving schemes and plans on offer. The Help To Buy scheme has assisted many buyers to afford a reasonable deposit, making the mortgage process simpler.

If you are in a position where you can receive help from family members, it makes sense to do so. Not everyone has this option, but if you are fortunate enough to have this support, it can make buying your first home much easier.

Be clear on what you can afford to borrow

While buying a home is exciting, you cannot allow yourself to get carried away. You must be clear on what you can afford to borrow.

This means being clear on what you will pay back over time, and each month. If your job is in a precarious position this year, you need to consider what will happen to your mortgage payments if you are unable to pay the bill each month.

Review your mortgage options

Not all mortgages are equal, and some mortgages might be more appealing to you than others. Finding the right mortgage for your needs is crucial, and this is why getting help from professionals make sense.

Working with a mortgage broker will ensure you receive up to date information, and that you will feel confident about examining all the options available to you.

Agree a mortgage in principle

Agreeing a mortgage in principle helps you look at homes with confidence. It also sends out the right signal to vendors and the professionals representing them. By having a mortgage agreed in principle, you position yourself as a serious buyer, and this can help you be the preferred buyer for a vendor.

Find the home you love and make an offer

Once you are confident about having the finance in place to buy a property, you can search with great intent. Once you find a home you love, and you view it on a number of occasions to ensure you feel confident about the process, you can instruct your professional to place an offer on the home.

If your offer is accepted, the legal process can begin. With a bit of luck, you will be entering your first home before too long.

While there are new challenges to overcome in the housing market, people shouldn’t consider arranging a mortgage to be an impossible task. However, it is vital people accept help and assistance from professionals in the field. If you are keen to arrange a mortgage, speak to a mortgage broker or experienced adviser and make sure you are fully equipped to make an informed decision.

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