When I had to renew the pilling on my end of garden, lay - by mooring, I had the local BW engineer come round to check the plans, depth of pilling etc. I asked the question that if I bought my self a crane & took the boat out every time I arrived home would I need a mooring licence or mooring, his reply was no, no mooring or licence for it BUT every time I wanted to either crane in or out I would need a stoppage for effin safety reasons which would cost me over £200 each time (that was 2008 so presumably more now) I also asked about digging my own inlet, & yes you guessed, fees for "stillage" tests (to check the inlet didn't leak) & a connection charge. So decided to pay the mooring fee ! Which was about a quarter of the local Marina fees.
Mind you the cost of the pilling works I wont go into as I'm still paying the mortguage on that !!
PS tried to get BW to help with costs of protecting their bankside, but apparently where I am, the landowner is responsible for the bank protection, & as the water was getting behind the old rotten pilling & under the garden I had to cough up.
Also when the mooring was first dug out the owner at the time had to get planning permission from the local council, but I did not as it was deemed maintenance rather than new works.