My brother and I have lately bought a property in Newquay. We have noticed several problems with the property which we believe were overlooked in the conveyancing searches. What action can we take? What searches should? have been conducted for conveyancing in Newquay?
It is not clear from the question as what problems have arisen and if they are relate to conveyancing in Newquay. Conveyancing searches and due diligence undertaken during the buying process are designed to help avoid problems. As part of the legal transfer of property, a property owner completes a document called a SPIF. answers ends up being incorrect, 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 Newquay.
It is 10 years ago since I purchased my property in Newquay. Conveyancing solicitors have recently been appointed on the sale but I am unable to track down my title deeds. Is this a problem?
Don’t worry too much. Firstly there is a chance that the deeds will be kept by the lender or they may be in the possession of the conveyancers who acted in the purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring up to date copy of the land registers. The vast majority of conveyancing in Newquay involves registered property but in the unlikely event that your property is unregistered it is more of a problem but is resolvable.
I'm the sole recipient of my late grandmother’s will and I have everything in my name alone, including the my former home in Newquay. The Newquay property was put into my name in April. I want to move. I understand that there is a Mortgage Lenders six month 'rule', which means that my proprietorship will be considered the same way as if I'd bought the house in April. Do I have to wait half a year to sell?
The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be caught by that. many banks would take a pragmatic view as this obligation is primarily there to capture subsales or the quick reselling of properties.
How can we tell if a Newquay conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Newquay getting recommendations is a sensible 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 advise that you speak with the solicitor handling your transaction.
The formalities of my purchase has taken place for my property in Newquay. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily 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.
I decided to have a survey completed on a house in Newquay in advance of retaining solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some lenders will not give a loan on such a home.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. If you e-mail us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Newquay. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Newquay to see if the conveyancing will be more expensive.
I need to retain a conveyancing solicitor for some conveyancing in Newquay. I've chance upon a web site which looks to be the perfect answer If it is possible to get all formalities done via web that would be ideal. Should I be wary? 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?
My financial adviser has suggested using their property lawyer for the conveyancing in Newquay - Is it not simpler better to just use them?
It is worth checking if the selling agent is recommending a property lawyer or introducing to a lawyer. There are plenty of Newquay selling agents who recommend two or three Newquay conveyancing firms and get nothing from it.