Mortgages & Property

Planning Permission Guide UK — When You Need It & How to Apply

When you need planning permission in the UK, how to apply, costs, timelines, and what happens if you build without it.

Mortgage information is general guidance only. Mortgages are regulated by the FCA. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Consult an FCA-regulated mortgage adviser before making decisions.

Planning permission controls what you can and can’t build, extend, or change about a property. Here’s when you need it, how to apply, and what it costs.

Do I Need Planning Permission?

Projects That Usually NEED Planning Permission

ProjectWhy
Building a new houseAlways needs full planning permission
Extensions exceeding permitted development limitsSee limits below
Loft conversions that alter the roof shape significantlyDormers may need permission
Converting a house into flatsChange of use
Building a new driveway with non-porous surfaceIn front of the property
Commercial buildingsMost changes need permission
Work on a listed buildingNeeds Listed Building Consent as well
Work in a conservation areaTighter restrictions apply
DemolitionOften needs prior approval
Changing the use of a buildingE.g. shop to house, office to residential

Projects That Usually DON’T Need Permission (Permitted Development)

ProjectKey limits
Single-storey rear extensionUp to 4m (detached) or 3m (others) — or 6m/8m under prior approval
Garden shed/outbuildingMax 2.5m height if within 2m of boundary; no more than 50% of garden covered
Loft conversion (roof lights, no dormer)Up to 40 m³ (terrace) or 50 m³ (detached/semi)
Patio/deckingMax 30cm above ground level
Fences and wallsUp to 2m height (1m next to a highway)
Satellite dish1 dish, within size limits
Solar panelsOn roof (not on listed buildings or conservation area front elevations)
Internal alterationsNo planning permission needed (unless listed building)
Replacing windowsLike for like (not in conservation areas — may need permission)
PorchMax 3 m², 3m high, 2m from highway

Important: Permitted development rights may be removed in conservation areas, Areas of Outstanding Natural Beauty, National Parks, and for flats/maisonettes. Always check.

Planning Permission Fees (England, 2025/26)

Application typeFee
Householder application (extension, alteration)£258
Outline planning permission (up to 2.5 hectares)£578 per 0.1 hectare
Full permission — new dwelling(s)£578 per dwelling (first 50), then £462 per dwelling
Change of use£578
Listed Building Consent£0 (free)
Lawful Development Certificate (confirming PD rights)£129 (existing) or £258 (proposed)
Advertisement consent£132
Prior approval (larger home extension)£120

Fees in Other Nations

NationTypical householder fee
England£258
Wales£230
Scotland£300
Northern Ireland£245

Additional Costs

ItemTypical cost
Architectural drawings£500–£3,000
Planning consultant£500–£2,000+
Structural engineer report£300–£800
Ecological survey (bats, newts, etc.)£300–£1,500
Tree survey/arboricultural report£300–£800
Flood risk assessment£500–£2,000
Heritage/design statement£500–£1,500
Transport assessment (larger projects)£2,000–£10,000+

How to Apply for Planning Permission

StepAction
1Check if you need permission — contact your local planning authority or check the Planning Portal
2Pre-application advice (optional but recommended) — meet the planning officer before applying
3Prepare drawings and documents — hire an architect or use a planning consultant
4Submit application via the Planning Portal (planningportal.co.uk) or directly to your council
5Pay the fee
6Validation — council checks your application is complete
7Consultation — neighbours notified, site notice erected (21 days)
8Decision — within 8 weeks (householder) or 13 weeks (major)
9If approved — check any conditions before starting work
10If refused — appeal to the Planning Inspectorate or amend and resubmit

Timeline

StageTypical duration
Pre-application advice2–4 weeks
Preparing drawings/documents2–6 weeks
Validation by council1–2 weeks
Consultation period21 days
Decision (householder)8 weeks from validation
Decision (major development)13 weeks from validation
Total (straightforward)12–16 weeks from start to decision

What Happens After Approval

RequirementDetail
ConditionsMost approvals come with conditions (e.g. materials must match existing, landscaping must be completed, hours of work) — you must comply
Time limitUsually 3 years to start work — if you don’t begin within this period, permission expires
Building RegulationsPlanning permission and Building Regulations are separate — you likely need both
Party Wall AgreementMay be needed if work affects a shared wall or boundary

If Your Application Is Refused

OptionDetail
Ask for the reasonsThe decision notice will state why — common reasons: impact on neighbours, scale, design, impact on character of area
Amend and resubmitAddress the reasons for refusal and submit a new application (you can apply again for free within 12 months)
AppealAppeal to the Planning Inspectorate — free, but can take 6–12+ months
Hire a planning consultantCan help strengthen your case for resubmission or appeal

Retrospective Planning Permission

DetailInformation
What it isApplying for permission after you’ve already built something
Is it legal?Yes — it’s a valid application type
Is it guaranteed to be approved?No — assessed on the same criteria as a normal application
If refusedYou may be required to undo the work via an enforcement notice
Time limit for enforcementGenerally 4 years for building work, 10 years for change of use
After 4/10 yearsIf no enforcement action is taken, the development may become lawful (apply for a Lawful Development Certificate)

Your home may be repossessed if you do not keep up repayments on your mortgage. PocketWise provides information and guidance — we do not offer financial advice. Seek independent mortgage advice before making decisions about borrowing.

Sources

  1. FCA — Mortgages
  2. MoneyHelper — Buying a home