Home & Income vs Granny Flat

[grasshopper]

Can anyone enlighten me the differences between HOME & INCOME and GRANNY FLAT in legal sense?

Thanks in advance

[Orkibi]

most granny flats referring to a unit which full cooking facility's is not permitted.

and Home and income could be anything, could be home and a flower shop.

best look for 2 legal dwelling with 2 separate cooking facilities,

I have one hear http://www.propertytalk.com/forum/sh...688#post196688

[Dean@Massiveaction]

A granny flat is somewhere to give an extended family member their own space and is NOT a tenantable space. A legal home and income is allowed to have separate tenancies and therefore full cooking facilities etc.
Thousands of granny flats are illegally rented out and have stoves installed :-)

[whitt]

And many of those thousands also may have insurance issues should a fire break out

[grasshopper]

Is it still possible to convert a five bedrooms to a home+income in central Auckland (Mt Wellington area)? Or has the council stopped this type of conversion?

[Dean@Massiveaction]

Nothing is impossible but the cost of doing that in a house would normally be prohibitive. VERY PROHIBITIVE!!

[Krish Van Colombo]

Other Side of the coin

Hi,

When I was looking for a property last year, there was a property with two separate legal dwellings but purposely categories as granny flats, I presume that's to save council rates. Both have cooking facilities, and both were fully Insured.

I guess the system is not defines or they give a blind eye, not sure which is correct. Main thing is to make sure that minor dwelling, granny flat can be insured separately.

Does any one know where the type of dwelling (main, minor) is mentioned? (in the deed?)

Cheers

[Dean@Massiveaction]

Not possible Krish. They were either 2 legal dwellings or a home with granny flat.

[Krish Van Colombo]

Not possible Krish. They were either 2 legal dwellings or a home with granny flat.

Hmm, Thanks for the update Dean. I must have been misinformed. However they had an insurance for both, could that be possible?

[Dean@Massiveaction]

Sure lots of illegal things are insurable as long as you disclose it to the insurance company. Won't help much when you get an abatement notice from the council. And consider this:
If your property burns down and you have a tenant in an insured but illegal granny flat, you can and most likely would get charged with manslaughter. Not my bag baby :-)

[Krish Van Colombo]

Sure lots of illegal things are insurable as long as you disclose it to the insurance company. Won't help much when you get an abatement notice from the council. And consider this:
If your property burns down and you have a tenant in an insured but illegal granny flat, you can and most likely would get charged with manslaughter. Not my bag baby :-)

Ha ha. Talk about worst scenario.
However In the above example dwellings are legal, Insurance is legal. But granny didn't burn :-). wonder how a lawyer will see that.

Ok in that case, will someone be kind enough to mention the right way (procedure) ;

- Of making a Extra building (granny or what ever) a legal dwelling.
- Of making sure a dwelling is not just a granny flat (before buying). Is it mentioned in the deed?

Appreciate your time.

Cheers
Krish

[Dean@Massiveaction]

It will take your lawyer 30 seconds to check. H&I's are 2 legal dwellings and recorded on the title. H&G's are 1 dwelling also noted on title

[Krish Van Colombo]

It will take your lawyer 30 seconds to check. H&I's are 2 legal dwellings and recorded on the title. H&G's are 1 dwelling also noted on title

Great.

Thanks a heap Dean.

[Orkibi]

It not hard to understand people don't deal with illegal dwellings!! it is problematic, dangerous, can cost you a fortune to rectify, and not Worth the trouble.

[Orkibi]

Is it mentioned in the deed?

few other options:

best have a look at the property file and LIM
get a print out from RPNZ Or Property Guru, which in most cases it say something like multi unit Home and income etc.

If In chch Have a chat on the phone with the people at CCC and most cases you can find this out.

Also look at the rates and address if 2 rates so obviously, if have 2 address as well.