I am looking at a self build/renovation mortgage that will lend % on the purchase as well as build cost, but needs outline planning to apply. The conversion property is in my price range because it doesn’t have any planning yet. The small chapel is in a hamlet amongst a number of recent build houses, the other price limit is several graves to rear that access technically still needed to, though of an age visits unlikely.
Anyway, planning – I gather that I can apply for planning without owning the site, but if done before sale agreed it could affect price and as sellers are under charity law they would have to get the best return regardless of personal.
But don’t want to agree sale without mortgage in principle, and if did and then applied even if planning straightforward it is 8 wks so a long wait before mortgage approved and the rest of things can get moving for sale.