SiteRep

What happens if a house was built without certification?

The building can usually still be sold, but the buyer's solicitor and lender will require a retrospective opinion on compliance from a suitably qualified professional, and any planning or building regulations breaches must be resolved or insured.

A professional can inspect and issue a retrospective opinion, but they can only certify what they can see or reasonably infer. Elements now hidden, such as foundations, insulation or fire stopping, may need opening up or may have to be excluded.

Where a genuine breach exists and enforcement is time-barred, indemnity insurance is sometimes used to satisfy a lender, though it protects against enforcement cost rather than making the building compliant.

Routes to resolve

  • Commission a retrospective survey and opinion
  • Open up sample areas to verify hidden construction
  • Apply for retention permission where planning is the issue
  • Carry out rectification works and certify those
  • Consider indemnity insurance for time-barred breaches

Sources

Last reviewed 28 August 2026. General information only — not legal or planning advice.

Related questions