Last March we completed a house move in Looe. We have since encountered a number of problems with the house which we consider were overlooked in the conveyancing searches. Do we have any recourse? What searches should? have been conducted for conveyancing in Looe?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Looe. Conveyancing searches and investigations undertaken during the legal transfer of property are designed to help avoid problems. As part of the process, a property owner fills in a document known as a Seller’s Property Information Form. If the information proves to be incorrect, you could possibly take legal action against the owner 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 Looe.
My wife and I have recently appointed a conveyancing solicitor in Looe. I I would like to check if they are on the The Mortgage Works approved list of lawyers. Could you or the lender confirm if they are on the panel?
The first thing you should do is e-mail the lawyer and ask them if they can act for the lender. Otherwise you can call The Mortgage Works who may be able to assist.
A colleague advised me that where I am purchasing in Looe I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Looe conveyancing searches. It is a large report of more than thirty pages, listing and detailing important information about Looe around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Looe Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Looe Education with maps and statistics, Local Amenities and other useful information concerning Looe.
Me and my brother have a terraced Victorian house in Looe. Conveyancing lawyer acted for me and The Mortgage Works. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register for 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 Looe and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing lawyer who conducted the conveyancing.
I opted to have a survey completed on a property in Looe prior to instructing lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some banks will not give a mortgage on such a property.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. Should you wish to call us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Looe. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Looe to see if the conveyancing will be more expensive.
We are a couple of weeks into a leasehold purchase having been referred to solicitors by the high street agent to handle our conveyancing in Looe. I am not happy. Can you help me find new lawyers?
A solicitor would have to be really bad to suggest diss instructing them. Has the mortgage offer been issued? In the event that it has you will need to make them aware of the new contact details and get the loan are re-sent. The solicitor ideally needs to be on the lenders approved list to avoid added expenses and delays. So that should be your first question of the new solicitors. Our search tool will assist you in finding a bank approved solicitor for your home move in Looe