My wife and I have just acquired a house in Disley. We have noticed several issues with the property which we believe were overlooked in the conveyancing searches. Is there anything we can do? Can you clarify the nature of searches that needed to have been carried out as part of conveyancing in Disley?
It is not clear from the question as what problems have arisen and if they are unique to conveyancing in Disley. Conveyancing searches and investigations undertaken during the legal transfer of property are supposed to help avoid problems. As part of the legal transfer of property, a seller answers a document referred to as a Seller’s Property Information Form. If the information turns out to be 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 Disley.
Finally the sale completed on my house in Disley last January but our buyer keeps texting every few hours to say her solicitor needs to hear from mylawyer. What are the post completion sale legalities now that I have sold?
Post completion of your house sale your lawyer should deliver the transfer deeds and all of the paperwork to the buyer’s lawyers. Depending on the transaction, your lawyer must also confirm that the mortgage has been redeemed to the purchasers lawyers. There is unlikely to be post completion tasks unique to conveyancing in Disley.
Various web forums that I have frequented warn that are the number one cause of hinderance in Disley conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not figure amongst the common causes of delays in the conveyancing process. Searches are unlikely to be the root cause of slowing down conveyancing in Disley.
My wife and I have a semi-detached Georgian house in Disley. Conveyancing lawyer represented me and Britannia. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold under the matching address. Is it worth asking Britannia to clarify?
You need to assess 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Disley and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with the conveyancing practitioner who conducted the purchase.
How does conveyancing in Disley differ for newly converted properties?
Most buyers of new build property in Disley approach us having been asked by the builder to sign contracts and commit to the purchase even before the premises is finished. This is because house builders in Disley tend to buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Disley or who has acted in the same development.
How difficult is it to switch firm as I need to retain one who is on the Accord Mortgages Ltd conveyancing list. I instructed a local conveyancing solicitor in Disley round the corner but he is not accepted by Accord Mortgages Ltd
It would be our pleasure to help you find a conveyancing solicitor in Disley on the Accord Mortgages Ltd panel. Please note that the solicitors that we work with do not pay us commission if you instruct them and are registered with the SRA who regulate all conveyancing solicitors in Disley. In utilising the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Disley.