Here, donâ€™t wish to rain on your parade but I'm afraid you won't have planning by default - the planning authority will be barred from initiating enforcement action but you won't have planning by default. What's the difference?? Well, firstly, as you already know, getting a mortgage on an unauthorised house or using it as collateral is almost impossible, similarly getting a loan for an extension. Secondly, you will lose any exemptions that you would ordinarily have i.e. simple maintenance jobs such as fixing the roof will be unauthorised development â€“ leaving you open for prosecution for another seven years. Thirdly, if for any reason the state decides to compulsorily purchase your house and land youâ€™ll get paid agricultural land prices and you wonâ€™t get paid for a dwelling. Finally, for all these reasons, who do you think would buy this house when you eventually have to sell it? You might not imagine ever selling it now but circumstances change over a lifetime. Iâ€™ve seen somebody who took very poor advice many years ago in a situation not dissimilar to the one you describe and the eventual outcome was not pretty â€“ thatâ€™s the only reason I write this. The planning process will cost money and time and may be frustrating but what price peace of mind?? Your indignation of how the country is run wonâ€™t be of any comfort if you eventually get screwed for not having permission.