Last December we completed a house move in Easingwold. We have since encountered a number of problems with the property which we consider were omitted in the conveyancing searches. What action can we take? Can you clarify the type of searches that should have been carried out for conveyancing in Easingwold?
It is not clear from the question as to the nature of the problems and if they are specific to conveyancing in Easingwold. Conveyancing searches and due diligence initiated as part of the buying process are supposed to help avoid problems. As part of the process, a property owner completes a questionnaire called a SPIF. answers turns out to be inaccurate, you could possibly take legal action 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 Easingwold.
My lawyer in Easingwold has never been on on the The Mortgage Works Conveyancing Panel. Is it possible for me to continue with my family solicitor even though they are not on the The Mortgage Works list of approved lawyers?
The limited options open to you here include:
- Carry on with your preferred Easingwold solicitors but The Mortgage Works will need to use a solicitor on their panel. This will inevitably rack up the total legal charges as well as result in frustration.
- Get an alternative solicitor to act in the conveyancing, obviously checking they are on the The Mortgage Works panel
Forgive me if this question is silly but I am unexperienced as a first time purchaser of a ground floor flat in Easingwold. Do I pick up the keys to the house on the completion date from my solicitor? If so, I will find a local conveyancing solicitor in Easingwold?
On the day of completion you do not need to attend the conveyancers office in Easingwold. Conveyancing lawyers for you will arrange to send the purchase money to the seller's lawyers, and shortly after the monies have arrived, you should be able to collect the keys from the property Agents and start moving into the property. This tends to happen between 1 and 3pm.
Can I be sure that the Easingwold conveyancing solicitor on the Leeds Building Society panel is any good?
When it comes to conveyancing in Easingwold getting recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor handling your conveyancing.
The mortgage over my property is with Skipton for my property in Easingwold. Conveyancing has been completed a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Skipton?
You must advise Skipton before renting your property as this is likely to be a breach of Skipton’s mortgage conditions. It may be that Skipton 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 Skipton directly. You need not do this via a Skipton conveyancing panel firm.
The deeds to our house are lost. The solicitors who handled the conveyancing in Easingwold 10 years ago are no longer around. Will I be able to sell the house?
Assuming the title is registered the details of your ownership will be documented by the Land Registry with a Title Number. It is easy to conduct a search at the Land Registry, locate your property and order up to date copies of the Registered Entries for less than a fiver. If the title is Leasehold then the Land Registry will also normally hold a file copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
How does conveyancing in Easingwold differ for newly converted properties?
Most buyers of new build or newly converted property in Easingwold approach us having been asked by the builder to exchange contracts and commit to the purchase even before the property is built. This is because builders in Easingwold typically purchase 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 property lawyers 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 Easingwold or who has acted in the same development.
I need to instruct a conveyancing practitioner in Easingwold for my remortgage. Is there any facility to see a solicitor's record with the profession’s regulator?
One may review presented Solicitor Regulator Association (SRA) decisions stemming from inquisitions started on or after Jan 2008. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The SRA could monitor call for training purposes.