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I'm not sure I agree with JTH's terminology here ("you can legally use the loftspace").
It is true that it is not unlawful to go up there but, without Building Regulations approval, it is classified as non-habitable space. So one COULD use it as a study/office but it COULD be unsafe.
This has nothing to do with Planning Consent (which is not required) - Planning Consent equates to "I want to build a new structure" whilst Building Regulations is all about "will the structure and the use I am putting it to be safe".
What you are proposing does not meet Building Regulations and will never do so unless:
you ensure that floor imposed loading are adequate - as mentioned by JTH
you insert adequate insulation between the loft space and the outside to meet minimum thermal regulations
in virtually every two storey property where the loft would be the 3rd storey, you provide a fire exit corridor from the new loft space to the outside down the main access stariway - in most cases this involves changing every internal door adjoining into the hall and landing to be a 30 minute fire-door
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