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Whether it’s building a new property, or extending and altering an existing one, developers and homeowners often assume that obtaining planning permission is the last major hurdle to overcome before construction begins. However, as this recent claim shows, the threat of a covenant being successfully enforced can be enough to prevent a development project proceeding.

The recent ruling of Hassan & Osman v Heath (2025) demonstrates how restrictive covenants have the potential to prevent, or significantly impact, proposed developments or alterations to a property, even after planning permission has been granted.

Our team of underwriting specialists will always go the extra mile to get you a quote that’s tailored precisely to your clients’ needs, and faster than anyone else in the market. It’s this combination of outstanding customer service and expertise that really sets us apart from other providers.

We look at some of the most common questions posed to our underwriters. This time we cover how we can assist if a previous deed plan is missing, and the difference between our Housing Act and missing mortgagee protection clause policies.