Last January we completed a house move in Seaburn. We have since encountered a number of issues with the house which we suspect were overlooked in the conveyancing searches. Is there anything we can do? Can you clarify the type of searches that should have been ordered for conveyancing in Seaburn?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Seaburn. Conveyancing searches and due diligence undertaken during the legal transfer of property are carried out to help avoid problems. As part of the legal transfer of property, a seller answers a questionnaire called a Seller’s Property Information Form. If the information provided is incorrect, you could possibly take legal action against the seller 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 Seaburn.
What is the first thing I need to know about purchase conveyancing in Seaburn?
Not many law firms or advisers will tell you this but conveyancing in Seaburn and elsewhere in England and Wales is an adversarial process. In other words, when it comes to conveyancing there exists an abundance of room for friction between you and other parties involved in the legal transfer of property. For instance, the seller, estate agent and sometimes the bank. Selecting a lawyer for your conveyancing in Seaburn is a critical decision as your conveyancer is your adviser, and is the SOLE person in the legal process whose interest is to protect your best interests and to keep you safe.
There is a worrying ongoing adversarial element to conveyancing- someone has to be blamed for the process being so protracted. We recommend that you your first instinct should be to trust your lawyer ahead of all other players in the home moving process.
A relative informed me that in buying a property in Seaburn there may be a number of restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of anumerous of properties in Seaburn which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Seaburn should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have today made my last payment due on my mortgage with Virgin Money. I assume I don't need a Seaburn property lawyer on the Virgin Money panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Virgin Money 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 Virgin Money mortgage from the register. Virgin Money, 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 Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
My offer was accepted on a property in Seaburn on 20/3/2024, valuation was booked 4 days later, all came back fine. Conveyancer appointed, so all that was missing was my mortgage offer. Having made daily calls to UBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the UBS conveyancing panel. Are UBS entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for UBS to deal with your lawyer's application to be on the UBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
Despite weeks of looking the Title Certificate and documents to my house are lost. The solicitors who did the conveyancing in Seaburn 10 years ago no longer exist. Will I be able to sell the house?
You no longer need to hold title original deeds to prove you are the registered proprietor of land or property, given that the Land Registry have everything they need in a digital format.
I'm purchasing my first flat in Seaburn with a loan from Santander. The developers would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent told me not disclose to my lawyer about this deal as it would put at risk my mortgage with Santander. 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.
My business partner and I are hoping to take over a lease of a shop on the high street. Can you recommend solicitors offering no-move-no fees for commercial conveyancing in Seaburn for below 2k?
We are happy to recommend firms who have an in-depth of experience of commercial conveyancing in Seaburn, including the disposal and acquisition of businesses as well as simply property. Whether you are looking to purchase or lease a shop, pub, restaurant, office, retail unit or a complete business we will put you in touch with the right lawyer. As for the costs this will depend on the structure and complexity of the deal. Please provide us with your contact information or call us so that we can furnish you with comprehensive commercial conveyancing quote.