Last January we completed a house move in Bury. We have noticed several issues with the house which we believe were omitted in the conveyancing searches. What action can we take? What searches should? have been ordered for conveyancing in Bury?
It is not clear from the question as to the nature of the problems and if they are specific to conveyancing in Bury. Conveyancing searches and due diligence initiated during the legal transfer of property are supposed to help avoid problems. As part of the process, a seller fills in a questionnaire referred to as a Seller’s Property Information Form. answers proves 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 Bury.
Can I be sure that the Bury conveyancing solicitor on the Leeds Building Society panel is any good?
When it comes to conveyancing in Bury getting recommendations is a good starting point. 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 which is cheap as chips. We would always recommend that you speak with the solicitor handling your conveyancing.
I have a mortgage with Nottingham for my property in Bury. Conveyancing was finalised months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Nottingham?
You must advise Nottingham prior to renting your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies 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 Nottingham directly. It should not be necessary to do this via a Nottingham conveyancing panel solicitor.
The formalities of my purchase has taken place for my property in Bury. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
A relative recommended that if I am purchasing in Bury I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes included in the estimate for your Bury conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Bury around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Bury Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data concerning Bury.
The deeds to my home are lost. The solicitors who did the conveyancing in Bury 4 years ago no longer exist. What are my next steps?
Gone are the days when you need to have the physical deeds to prove you own the land or property, given that the Land Registry have everything they need in a digital format.
I'm remortgaging my current property to a buy to let mortgage with Leeds Building Society and I will use the rest of the raised equity towards another property. The neighborhood we are talking about is Bury. Will your conveyancers be able to act for both sets of banks and tie in the transactions?
Do use our comparison tool on this page to ensure that the lawyers are on the relevant lender panels. Having checked that they are your solicitor should be able to tie up the two deals but you should talk with you conveyancer and communicate your expectations and needs.
I need to retain a conveyancing solicitor for sale conveyancing in Bury. I've chance upon a site which looks to be the perfect answer If there is a chance to get all this stuff completed via email that would be preferable. Should I be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?