Will my conveyancer be raising enquiries about flooding during the conveyancing in Bodfari.

The risk of flooding is if increasing concern for solicitors conducting conveyancing in Bodfari. There are those who buy a property in Bodfari, completely aware that at some time, it may suffer from flooding. However, aside from the physical damage, where a property is at risk of flooding, it may be difficult to obtain a mortgage, suitable insurance cover, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.

Lawyers are not qualified to impart advice on flood risk, but there are a numerous searches that can be initiated by the buyer or by their conveyancers which can give them a better understanding of the risks in Bodfari. The standard property information forms sent to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual question of the seller to find out if the property has suffered from flooding. In the event that the residence has been flooded in past and is not disclosed by the seller, then a purchaser may issue a compensation claim as a result of such an inaccurate response. The purchaser’s lawyers may also carry out an environmental report. This should reveal if there is a recorded flood risk. If so, additional investigations will need to be initiated.

I used Stirling Law a few years ago for my conveyancing in Bodfari. I now require my file however the law firm is no longer operating. What do I do?

Do call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Bodfari of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I am purchasing a new build house in Bodfari with a loan from TSB. The developers refused to reduce the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent told me not reveal to my solicitor about this side-deal as it will affect my mortgage with TSB. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the encouragement of my in-laws I had a survey completed on a house in Bodfari in advance of appointing solicitors. I have been told that there is a flying freehold element to the property. My surveyor has said that some banks will refuse to issue a mortgage on a flying freehold home.

It varies from the lender to lender. Lloyds has different instructions for example to Halifax. If you contact us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bodfari. Conveyancing will be smoother if you use a solicitor in Bodfari especially if they are accustomed to such properties in Bodfari.

In what way can the Landlord & Tenant Act 1954 impact my commercial offices in Bodfari and how can you help?

The particular law that you refer to affords protection to business leaseholders, giving them the a statutory right to apply to court for a continuation of occupancy at the end of the lease term. There are limited grounds where a landlord can refuse a lease renewal and the rules are involved. We are happy to direct you to commercial conveyancing practices who use the act to your advantage and help with commercial conveyancing in Bodfari