My partner and I have recently bought a house in Longfield. We have noticed several issues with the property which we suspect were omitted in the conveyancing searches. Do we have any recourse? Can you clarify the nature of searches that should have been carried out as part of conveyancing in Longfield?
It is not clear from the question as what problems have arisen and if they are specific to conveyancing in Longfield. Conveyancing searches and investigations undertaken during the legal transfer of property are supposed to help avoid problems. As part of the process, a seller fills in a questionnaire called a SPIF. If the information turns out to be misleading, then you may have a 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 Longfield.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Longfield. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/10/2024, the requirements read as follows :
My wife and I own a semi-detached Georgian house in Longfield. Conveyancing solicitor represented me and Halifax. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, the second leasehold under the exact same address. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Longfield and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing lawyer who conducted the purchase.
I decided to have a survey done on a house in Longfield ahead of retaining conveyancers. I have been told that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies tend refuse to give a mortgage on such a home.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. Should you wish to call us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Longfield. Conveyancing may be slightly more expensive based on your lender's requirements.
I'm converting the mortgage on my existing property to a BTL loan with Godiva Mortgages Ltd and intend to use the remaining equity towards further property. The location we are talking about is Longfield. Will your solicitors be able to act for both sets of banks and link together the two deals?
Make use of our comparison tool on this page to ensure that the conveyancers are on the relevant lender panels. On the basis that they are your solicitor will be able to connect the two deals but you should talk with you lawyer and communicate your desired outcome and requirements.
We're first time buyers - had an offer accepted, yet the selling agent advised that the owners will only issue a contract if we use their recommended conveyancers as they need an ‘expedited deal’. Our preferred option is to instruct a high street conveyancer who is familiar with conveyancing in Longfield
It is highly unlikely the sellers are behind this. Should the owner want ‘a quick sale', taking such a hostile approach to a serious buyer is is going to put the whole deal at risk. Try to communicate with the owners directly and make sure they understand (a)you are keen to buy (b)you are ready to progress, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)however you are going to use your own,trusted Longfield conveyancing solicitors - as opposed tothose that will provide the negotiator at the agency a introducer fee or hit his conveyancing targets demanded by head office.