I am assisting my step-mother sell her property in Dulwich. Does the conveyancer order the energy performance certificate or it is for the seller to see to?
Following the demise of Home Packs, energy performance certificates became a compulsory component of moving property. An energy assessment needs to be to hand prior to the property being marketed. It is not something that law firms normally organise. Where you are using a Dulwich conveyancing practitioner they might help arrange EPC’s due to their relationships with reputable local assessors
My wife and I buying a end of terrace house in Dulwich. The intention is to an extension at the rear at the property.Will legal work on the property include checks to see if these alterations are allowed?
Your property lawyer will check the deeds as conveyancing in Dulwich will sometimes reveal restrictions in the title deeds which restrict categories of works or require the permission of a 3rd party. Certain works require local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
We have agreed to purchase a house in Dulwich. A rare aspect is that the roof has a solar panel. Barclays have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Barclays your lawyer must check the conveyancing requirements set out in Part two of UK Finance Lenders’ Handbook for Barclays. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Barclays where a lease does not meet these requirements. The conditions relate to the installation of panels on properties nationwide and is not restricted to Dulwich.
A friend recommended that if I am buying in Dulwich I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Dulwich conveyancing searches. It is not a small document of about 40 pages, listing and setting out important information about Dulwich around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Dulwich Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with plans and statistics, Local Amenities and other useful data regarding Dulwich.
Me and my brother have a renovated Edwardian house in Dulwich. Conveyancing solicitor acted for me and Barclays Direct. I happened to do a free search for it on the Land Registry database and I saw a couple of 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 should read the Freehold register you have again and check the Charges Register as there may be 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 Dulwich 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 purchasers. You can also check the position with the conveyancing practitioner who conducted the purchase.
I'm buying my first flat in Dulwich with the aid of help to buy. The builders refused to budge the amount so I negotiated five thousand pounds worth of extras instead. The property agent advised me not to tell my solicitor about this side-deal as it would put at risk my loan with Aldermore. Is this normal?.
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 input of my in-laws I had a survey completed on a house in Dulwich prior to appointing solicitors. I have been told that there is a flying freehold aspect to the property. My surveyor advised that some lenders tend not give a mortgage on such a premises.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. If you call us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Dulwich. Conveyancing may be slightly more expensive based on your lender's requirements.
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