Last July we completed a house move in Gatley. We have since encountered a number of issues with the property which we suspect were omitted in the conveyancing searches. Do we have any recourse? What searches should? have been conducted as part of conveyancing in Gatley?
It is not clear from the question as what problems have arisen and if they are specific to conveyancing in Gatley. Conveyancing searches and investigations initiated as part of the legal transfer of property are carried out to help avoid problems. As part of the process, a property owner answers a document called a SPIF. If the information is incorrect, 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 Gatley.
My Solicitor in Gatley is not on the Bank of Ireland Conveyancing Panel. Can I still use my family solicitor even though they are not on the Bank of Ireland panel of approved conveyancing solicitors?
Your options are as follows:
- Complete the purchase with your preferred Gatley lawyers but Bank of Ireland will need to use a conveyancer on their panel. This will inevitably rack up the total conveyancing charges and result in frustration.
- Find a new solicitor to to deal with the purchase, not forgetting to check they are on the Bank of Ireland panel
Are all Gatley Conveyancing Quality Solicitors on the Kent Reliance conveyancing panel?
Some major lenders now make use of the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
I am expecting a DIP from Aldermore this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Gatley solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Gatley solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I currently have a mortgage with Santander for my property in Gatley. Conveyancing has been completed 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Santander?
Your original mortgage agreement with Santander will provide that you need their approval in advance of renting your property as this is likely to be a breach of Santander’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Santander directly. You need not do this via a Santander conveyancing panel solicitor.
The deeds to our property are lost. The lawyers who handled the conveyancing in Gatley 10 years ago have long since closed. Will I be able to sell the house?
Gone are the days when you need to hold title original deeds to evidence that you are the owner of your registered land or property, as the Land Registry have everything they need in a digital format.
What makes your site different to other online quote calculators for conveyancing in Gatley?
At this site get an accurate quote from a Solicitor or Licensed Conveyancer that understands the issues for your conveyancing in Gatley. As opposed to estate agents and many comparison sites we do not have kick-back deals with solicitors. A large number of agents and online brokers 'recommend' the firm who pay the most per referral, not the best value conveyancing in Gatley