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Planning Permission: Mortgages

Asked by Sir James CleverlyConservativeMinistry of Housing, Communities and Local GovernmentTabled Answered 21 November 2025UIN 88652

The question

To ask the Secretary of State for Housing, Communities and Local Government, what assessment his Department has made of the potential impact of mortgage in possession clauses in planning applications on (a) housebuilding and (b) other development.

Answered by Matthew Pennycook

My Department has not undertaken a specific assessment of the impact of mortgage in possession clauses in planning applications.

It is for local planning authorities to consider whether otherwise unacceptable development could be made acceptable through the use of conditions or planning obligations. Such obligations may include mortgage in possession clauses.

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