Last March we completed a house move in Seaton Sluice. We have since encountered a number of problems with the house which we consider were missed in the conveyancing searches. Is there anything we can do? What searches should? have been carried out as part of conveyancing in Seaton Sluice?
The query is vague as what problems have arisen and if they are specific to conveyancing in Seaton Sluice. Conveyancing searches and investigations undertaken as part of the buying process are supposed to help avoid problems. As part of the legal transfer of property, a property owner completes a document known as a SPIF. If the information proves to be inaccurate, you may have a misrepresentation 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 Seaton Sluice.
Completed the sale of my flat in Seaton Sluice last August yet the purchaser is whats apping every few hours to say their conveyancer needs to hear from myconveyancer. What are the post completion sale legalities following completion?
Post completion of your sale your conveyancer is obliged to deliver the transfer deeds and all supplemental paperwork to the buyer’s conveyancer. Depending on the transaction, your conveyancer should also send confirmation that the legal charge in favour of the lender has been redeemed to the purchasers lawyers. There is unlikely to be post completion formalities just for conveyancing in Seaton Sluice.
My wife and I buying a end of terrace house in Seaton Sluice. The intention is to an extension at the rear at the house.Will legal due diligence on the property involve checks to ascertain if these works are permitted?
Your conveyancer should review the registered title as conveyancing in Seaton Sluice will sometimes reveal restrictions in the title documents which restrict certain works or need the consent of a 3rd party. Many extensions need local authority planning consent and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
Last month we had a mortgage agreed in principle with Virgin Money. Seaton Sluice conveyancing lawyers are selected. How long does it take for Virgin Money to issue the offer to the solicitor?
There is no definitive answer here. Have Virgin Money done the survey? Have you advised Virgin Money as to your lawyers' details and checked that your lawyers are on the Virgin Money conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have paid off my mortgage with Clydesdale. I assume I don't need a Seaton Sluice conveyancer on the Clydesdale panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
I am purchasing a house and the lawyer has mentioned Chancel Repair to which the property may be obligated to pay because it falls into the area of such a church. She has mentioned insurance. Is this really warranted for conveyancing in Seaton Sluice
Unless a prior purchase of the property took place after 12 October 2013 you may assume that conveyancing practitioners handling conveyancing in Seaton Sluice to continue to recommend a chancel search and or insurance against a claim.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The lawyers who dealt with the conveyancing in Seaton Sluice 4 years ago are no longer around. Will I be able to sell the house?
As long as you have a registered title the information relating to your ownership will be evidenced by HMLR under a Title Number. It is possible to carry out a search at the Land Registry, find your house and order up to date copies of the Registered Entries for less than a fiver. Where the title is Leasehold then the Land Registry will also normally hold a file duplicate of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.
Am in the process of purchasing my 1st property in Seaton Sluice. Conveyancing practitioner already selected. The financial consultant advised that a survey is not needed as the house is only 17 years old.
You would be best advised to take a Home Buyer's Report. Given the property is more than 10 years old the property will be without a warranty, so you would be well advised not to take a risk. Where a property of this age shows no signs of problems a Home Buyer's report could be enough. The report should highlight any apparent issues and suggest additional investigation if appropriate. If there are any indications of problems seek a comprehensive Building Survey from the beginning.