If you’re in the process of switching your mortgage, your new lender may ask you to provide an Opinion on Compliance. This is a common request, particularly where a property has had alterations or extensions.
At Property Health Check, we issue Opinions on Compliance as part of our structural services. In this blog, we’ll explain what the certificate is, why it’s important, and how we can help.
What Is an Opinion on Compliance?
An Opinion on Compliance is a formal certificate issued by a qualified professional based on a visual inspection — typically an architect, chartered engineer or building surveyor. It confirms that:
- The property or any alterations (such as an extension, attic conversion, or garage) comply with planning permission, and
- The works were carried out in line with Building Regulations applicable at the time of construction.
This certificate offers assurance to your lender that the property meets required legal and safety standards.
Why Is My Bank Asking for One When Switching Mortgage?
When you switch your mortgage to a new lender, they may carry out additional checks as part of their due diligence process. An Opinion on Compliance may be requested if:
- There have been alterations or additions to the property
- There is no existing certificate available
- The lender wants to verify that the property is compliant with planning and building regulations
In short, the bank needs to be confident that the property is legally constructed and represents a secure asset.
How Property Health Check Can Help
At Property Health Check, we offer a straightforward service to issue Opinion on Compliance certificates, ensuring you can meet your bank’s requirements without delay.
Here’s how we help:
- We review the relevant documentation, such as planning permission (if applicable), planning regulations, maps, and drawings (if available)
- We carry out a visual inspection to assess the works in question
- We provide an Opinion on Compliance certificate confirming substantial compliance, or advise on any next steps if compliance cannot be confirmed
Our qualified engineers & building surveyors are experienced in assessing residential properties for mortgage purposes, and we aim to make the process clear and efficient.
Do I Always Need an Opinion on Compliance?
Not necessarily — but if you’ve had any works completed without formal documentation, or if your solicitor or bank raises concerns, it may be required. Typical examples include:
- Extensions or conservatories
- Attic conversions
- Garage conversions
- Large sheds or outbuildings
- Changes to window/door openings
If you’re unsure, we’re happy to review your survey findings and guide you on whether a certificate is needed.
Next Steps
If your bank or solicitor has requested an Opinion on Compliance, here’s what to do:
- Check with your solicitor to confirm the specific type of Opinion required (e.g. Planning Permission or Exempted Development).
- Visit our website to obtain a quote for the appropriate service.
- Review the service details, including our terms and conditions and any requirements outlined.
- Complete your booking by securely making the payment online.
- Our Customer Care team will contact you to request any additional details or documentation needed.
- An inspection will be scheduled with one of our experienced engineers or building surveyors.
- Once all requirements are met, we will issue the certificate directly to you or your solicitor.
- Need help or have questions? Feel free to get in touch – we’re happy to assist.