My wife and I have lately purchased a house in Danbury. We have since encountered a number of problems with the property which we believe were missed in the conveyancing searches. What action can we take? Can you clarify the nature of searches that should have been carried out as part of conveyancing in Danbury?
It is not clear from the question as to the nature of the problems and if they are specific to conveyancing in Danbury. Conveyancing searches and investigations initiated during the legal transfer of property are supposed to help avoid problems. As part of the process, a seller answers a document referred to as a Seller’s Property Information Form. answers provided is inaccurate, then you may have a claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Danbury.
My aunt passed away last year and as sole heir and executor I was left the property in Danbury. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to UBS, pay off the mortgage. Is this possible?
Given you plan to refinance then UBS will insist on your using a conveyancer on the UBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your UBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the UBS mortgage is registered as a charge at the Land Registry.
My husband and I are in the process of viewing apartments in Danbury and I am now considering a potential offer. Is it advisable to have my conveyancer on ‘stand by’? I will be getting a home loan with Skipton.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. As you are seeking a mortgage with Skipton, make sure you remember to check that your lawyer is on the Skipton conveyancing panel.
I have decided to exercise my right to buy my property in Danbury off the council. I have a mortgage offer with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
After much negotiation I have agreed a price on a house in Danbury. My mortgage broker recommended their conveyancers. I paid an advanced payment of £150. Soon after, the solicitor contacted me to say that they were not on the Principality conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Principality panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I'm refinancing my current home to a buy to let mortgage with Santander and I will use the ballance of the raised equity as a deposit on further property. The area we are interested in is Danbury. Will your conveyancers be able to act for both sets of banks and tie in the conveyances?
Do use our search tool on this page to be sure that the conveyancers are on the relevant lender panels. Assuming that they are your lawyer should be able to connect the two transactions but you should have a chat with you conveyancer and specify your desired outcome and requirements.
Please can you suggest a conveyancer for buying a house? Ideally someone in Danbury, who will contact me via email - not someone who insists on slow mail or fax.
The purpose of this site is restricted to being a directory service for lawyers who wish to be listed as being on the approved conveyancing panel for Santander in certain locations such as Danbury . Our intention is not to recommend any specific property lawyer.