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if this is risk profile, then you set it correctly... just be mindful on some bank valuation on initial purchase. The bank valuer might not put any value on the unapproved granny flat.

I find most council give a blind eye if you are to call and ask what is/isn't approved. They only take action when you're the immediate neighbor and you want to make a complaint. Asking how many bedrooms was the original plan or any extension/addition would be appropriate. If the information...