Last July we completed a house move in Calstock. We have since encountered a number of problems with the house which we consider were omitted in the conveyancing searches. Is there anything we can do? Can you clarify the nature of searches that needed to have been conducted as part of conveyancing in Calstock?
It is not clear from the question as what problems have arisen and if they are relate to conveyancing in Calstock. Conveyancing searches and investigations undertaken as part of the legal transfer of property are carried out to help avoid problems. As part of the legal transfer of property, a property owner answers a questionnaire known as a Seller’s Property Information Form. answers ends up being inaccurate, then you may have a claim 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 Calstock.
My Conveyancer in Calstock has never been on on the Barclays Direct Solicitor Panel. Can I still retain my family solicitor even though they are excluded from the Barclays Direct panel?
Your options are as follows:
- Carry on with your existing Calstock lawyers but Barclays Direct will need to retain a lawyer on their list of acceptable firms. This will result in additional total legal charges and result in delays.
- Get a new practitioner to act in the conveyancing, remembering to check they are Persuade your lawyer to use their best endeavours to join the Barclays Direct conveyancing panel
My father advised me that in purchasing a property in Calstock there may be a number of restrictions prohibiting external alterations to the property. Is this right?
We are aware of a number of properties in Calstock which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Calstock should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
How can we know in advance if a Calstock conveyancing solicitor on the Aldermore panel is any good?
When it comes to conveyancing in Calstock seeking recommendations is a sensible 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 lawyer carrying out your conveyancing.
Completion of my remortgage has taken place for my property in Calstock. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
How does conveyancing in Calstock differ for newly converted properties?
Most buyers of new build residence in Calstock approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is finished. This is because house builders in Calstock typically acquire the real estate, 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 conveyancing solicitors 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 Calstock or who has acted in the same development.
I've recently found out that there is a flying freehold element on a house I have offered on last month in what was supposed to be a quick, chain free conveyancing. Calstock is the location of the property. What do you suggest?
Flying freeholds in Calstock are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Calstock you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Calstock may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I'm remortgaging my current house to a BTL loan with The Royal Bank of Scotland and intend to use the remaining equity towards a second house. The area we are looking at is Calstock. Will your conveyancers be able to act for both sets of mortgage companies and link together the transactions?
Make use of our search tool on this page to check that the lawyers are on the appropriate lender panels. Having checked that they are your solicitor will be able to tie up the two transactions but you should have a chat with you conveyancer and specify your expectations and needs.