What is utility supply?

Utility supplies are basic services needed to keep a property comfortable and functional, such as electricity and water supply.

These are commonly referred to as your monthly bills. Depending on how they are provided, they may require maintenance, incur additional repair costs, and affect mortgage and insurance availability.

What are Rights and Restrictions?

Certain rights and restrictions may apply to properties which could impact mortgage availability, as well as what you can do when buying, developing, or using a property. These can fall into the categories below.

Private rights of way

Examples include:

• Easement – such as a neighbouring property having right of way across the driveway so they can access their home.
• Servitude – such as overhead power lines or the use of a shared communal private water supply.
• Wayleave – such as a telegraph pole or electricity pylon located on the property, where related rent is due from a third party.

Public rights of way

Examples include public footpaths for walking, or public bridleways for horse riding.

Listed property

Listed buildings require special permission before they are demolished, extended, or altered.

Restrictions

Other restrictions may apply when using or developing a property. These could include:

• No caravans / boats / commercial vehicles parked on the driveway.
• No barbecues on the balcony.
• The front door must be painted black.
• Needing a neighbour’s permission to carry out work on a party wall.

What are Risks?

Risks such as flooding, coastal erosion or mining may impact the cost of a building, maintenance and repair charges, contents insurance and mortgage availability.