I am purchasing a detached bungalow in Seascale. The intention is to convert the garage to an office at the property.Will legal conveyancing on the property involve enquiries to determine if these works were previously refused?
Your conveyancer should check the registered title as conveyancing in Seascale can sometimes identify restrictions in the title documents which prohibit certain works or require the permission of a 3rd party. Certain extensions need local authority planning permissions and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be wise to check these things with a surveyor ahead of any purchase.
Is it the case that all Seascale solicitor firms on the TSB conveyancing panel are governed by the Solicitors Regulatory Authority?
As solicitors, in order to be on the TSB conveyancing panel they would need to be overseen by the SRA. Many banks do permit licenced conveyancers on their panel and in such a situation the organisation would be regulated by the Council of Licensed Conveyancers.
The mortgage over my property is with Yorkshire BS for my property in Seascale. Conveyancing was finalised a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Yorkshire BS?
You must advise Yorkshire BS in advance of letting out your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. It may be that Yorkshire BS will allow you to rent 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 Yorkshire BS directly. You need not do this via a Yorkshire BS conveyancing panel solicitor.
My colleague suggested that where I am purchasing in Seascale I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is usually quoted for as part of the standard Seascale conveyancing searches. It is a large document of about 40 pages, listing and detailing important information about Seascale around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Seascale Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Seascale Education with maps and statistics, Local Amenities and other useful data regarding Seascale.
How does conveyancing in Seascale differ for new build properties?
Most buyers of new build or newly converted property in Seascale contact us having been asked by the developer to exchange contracts and commit to the purchase even before the property is ready to move into. This is because builders in Seascale tend to purchase the site, 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 used to new build conveyancing in Seascale or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a house in Seascale prior to appointing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some lenders will refuse to grant a mortgage on this type of house.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. Should you wish to call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Seascale. Conveyancing may be slightly more expensive based on your lender's requirements.
Hoping to buy a property located in Seascale and I am already nervous. I couldn't find anything specific about Seascale. Conveyancing will be needed in due course but do you know about the Seascale area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Seascale. In the meantime here are some basic statistics that we found
We are about to exchange on the purchase a house in Seascale but as a result of damage from the recent storms I have agreed recompense from the vendor of £2k taking the form of a reduction in the price. This was going to be addressed as part of the conveyancing process but my bank will not agree to this. Should they have been involved?
The conveyancer that is on the bank approved list is required to advise the lender of any amendments to the purchase figure. If you were to refuse your conveyancing practitioner to report the reduction to your lender then they would have no choice but to disinstructing themselves from representing you and the bank.