ePrivacy and GPDR Cookie Consent by Cookie Consent A guide to 'proceeding at risk'

A guide to 'proceeding at risk'


Written by


Last updated Thursday 21st October 2021

Asphalt blacktop curve 1128843

When it comes to your home, you probably want to keep risk out of the equation. However, in the planning and building regulations stage, a little risk can be your friend.

Proceeding at risk while you wait for the go-ahead from the council could shave months off your project’s timings, ideal for anyone raring to go or who has rental costs to consider. Interested? Here’s what you need to know…

What is proceeding at risk?

Proceeding at risk refers to starting your building regulation drawings before you have planning approval. It takes advantage of the 8-10 week waiting period homeowners must go through while a planning decision is made.

Why is time so important? Well, even with a great architect by your side (such as ourselves), you have so many third parties involved that, like planning, this is a time-consuming stage.

For example, Resi’s building regulations team are able to put together the necessary technical drawings within 2-3 weeks. However, because these drawings rely on the input from structural engineers and surveyors, waiting for this information will likely add 3 or more weeks to the timeline.

Therefore, by starting this process during the planning stage, homeowners are able to start construction as quickly as possible.

Book a free architectural advice call

We offer free 30 minute phone consultations to help you and your project get the guidance you need

Select a date to view availability

The pros

The most obvious perk of proceeding at risk is the time you save. By potentially shaving over a month and a half off your timeline, you’re able to realise your designs much sooner.

This is ideal for anyone who is renting and needs the project completed in order to move into their new dream home. Not only can you settle in sooner, but you’ll also save yourself from another month of rent payments.

It can also be beneficial for developers, who want to turn a profit on their venture sooner rather than later.

The cons

It doesn’t mention risk for nothing.

Although Resi uses a common-sense approach to avoid such risks, by starting your building regulations package before planning has been secured, you may need to pay extra fees for alterations, should the application be refused or offered with conditions.

Should any changes be required then they will typically be in the region of £200 - £300 + VAT for the time required from your architect. If there are significant changes required then this may incur charges from your structural engineer and other third-parties.

However, if the changes to your application are minor, some kind architects (Resi) will make these alterations free of charge.

Planning and building regulations

Why do these stages take so long and who’s involved?


For planning, timings can vary from area to area. Whether you’re applying for a lawful development certificate or going for a full planning application, you can expect an 8-10 week wait while they reach their decision.

On top of this, before your application is fully considered, you may also have to wait up to 5 weeks for validation and to be assigned a planning officer. Meaning, regardless of whether or not you proceed at risk, this stage could take up over three months of your time.

Learn more about planning.

Building regulations

As for building regulations, these are a set of statutory requirements that all buildings must meet in order to create a safe and healthy environment to inhabit.

They cover everything from the structure, thermal performance, soundproofing, drainage, all the way to fire safety - to name just a few!

To ensure your project is in line with UK building regulations, you must commission a set of technical drawings of your proposed build, demonstrating all legal requirements have been met, before submitting this to either your local building control or by hiring a private approved inspector.

Not only will this ensure your build is legal, providing a safe and healthy space for your household, it’ll also give you an advantage during construction. The level of detail in these technical drawings mean contractors better understand your project’s requirements, so you get a more accurate quote during tendering and a build that’s in line with your project’s vision.

The scope of work covered by this stage means you’ll need more than one professional on board to prepare your application. Typically, in order to prepare your package and obtain approval, you’ll need...

  • A structural engineer
  • An architect
  • A CCTV surveyor
  • A party wall surveyor
  • An approved inspector

Like we said at the start, this process is likely to take between 5-6 weeks.

Learn more about building regulations.

Is proceeding at risk right for you?

Every home is different. While proceeding at risk can benefit a lot of homeowners, if your designs are particularly ambitious or more likely to face alterations/rejection, then caution might be required. At Resi, we’ll always advise on the level of risk from a planning perspective, so you understand the likelihood of your project facing alterations.

The best thing you can do is ask an architect about which route is best for your home. We offer free architectural advice to help homeowners navigate these tricky decisions. If you’d like expert advice from our team, simply book in a call here.

If you enjoyed this post, you might enjoy our Resi Newsletter, sent weekly via email. Sign up here

See how much you can borrow

Get an indicative idea of your borrowing potential by answering the simple questions below


Phone: +44203 868 9453 | Email: advice@resi.co.uk

Resi Design Ltd. trading as 'Resi' | Company No: 10471125

We are proud to employ architects registered with the Architects Registration Board and were awarded the mark for The Mayor's Good Work Standard for fair pay & conditions, wellbeing, skills, progression, diversity and recruitment.

Resi Finance Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited who are authorised and regulated by the Financial Conduct Authority. Resi Finance Ltd. Registered Office: International House Canterbury Crescent, Floor 4, London, England, SW9 7QE. Registered in England Number: 12327535