Last September we completed a house move in Priorslee. We have since encountered a number of issues with the property which we believe were overlooked in the conveyancing searches. Do we have any recourse? Can you clarify the nature of searches that needed to have been conducted for conveyancing in Priorslee?
It is not clear from the question as to the nature of the problems and if they are specific to conveyancing in Priorslee. Conveyancing searches and investigations undertaken as part of the buying process are carried out to help avoid problems. As part of the legal transfer of property, a seller answers a questionnaire referred to as a SPIF. answers is misleading, then you may have a claim against the vendor 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 Priorslee.
Do I have to visit the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Priorslee so that I can pop in to their offices if necessary.
Nowadays approved lawyers for lenders carry out all of the work through Royal Mail, internet or over phone calls. This means that they can undertake the legal work for your home move regardless of where you live in the country. However you can check if you have the option of going to the offices of your conveyancing lawyer if needed.
This question may be naive but I am new to the process as FTB of a garden flat in Priorslee. Do I collect the keys to the property on completion from my solicitor? If this is the case, I will use a High Street conveyancing solicitor in Priorslee?
On the day of completion you do not need to attend the conveyancers office in Priorslee. Conveyancing lawyers for you will electronically transfer the completion advance to the owner’s solicitors, and once they have received this, you should be invited to collect the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
My uncle advised me that in purchasing a property in Priorslee there could be a number of restrictions limiting what one can do in terms of external alterations to a property. Is this right?
There are a number of properties in Priorslee which have some sort of restriction or requirement of consent to carry out external variations. Part of the conveyancing in Priorslee should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have finally had an offer on an apartment in Priorslee agreed to, but there is a chain. The owners have placed an offer on a property, but it’s not been accepted yet, and are looking at other properties in the pipeline. I have chosen a high street conveyancing solicitor in Priorslee. What do I do now? When do I get the mortgage application with Santander going?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx one thousand pounds, then valuation, Priorslee conveyancing search costs, etc). First, you should ensure that your lawyer is on the Santander conveyancing panel. As to the subsequent phase this very much dictated by the uniqueness of your transaction, desire for this property and on the state of the market. During a rising market some home buyers will apply for the mortgage with Santander and arrange for the valuation and only if it comes back ok would they pay their lawyer to proceed with searches.
My wife and I purchased a terraced Edwardian house in Priorslee. Conveyancing practitioner represented me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, the second leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Priorslee and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with your conveyancing solicitor who carried out the work.
Due to the advice of my in-laws I had a survey completed on a property in Priorslee ahead of instructing lawyers. I have been told that there is a flying freehold overhang to the property. The surveyor has said that some mortgage companies may refuse to issue a loan on a flying freehold property.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Nationwide. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Priorslee. Conveyancing will be smoother if you use a solicitor in Priorslee especially if they are familiar with such properties in Priorslee.