I am helping my mother sell her flat in Fowey. Does the conveyancer arrange an EPC or it is for the owner to see to?

Following the demise of Home Information Packs, energy assessments was retained a compulsory part of moving property. An EPC should be commissioned in advance of the property being advertised. This is not as aspect of the sale process that lawyers ordinarily arrange. Where you are using a Fowey conveyancing practitioner they might help arrange energy assessments due to their contacts with long established Fowey assessors

My lawyer has informed me that absentee landlord insurance is necessary on my purchase. What is the level of cover for Fowey conveyancing?

The appropriate level of absentee landlord indemnity insurance depends on your lender. It would differ for example between Birmingham Midshires and Coventry Building Society. Conveyancing solicitors as opposed to members of the public take out such insurances.

I currently have a mortgage with Yorkshire BS for my property in Fowey. Conveyancing has been completed months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Yorkshire BS?

Your original mortgage agreement with Yorkshire BS will provide that you need their approval prior to 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. It should not be necessary to do this via a Yorkshire BS conveyancing panel firm.

What will a local search inform me regarding the house I am buying in Fowey?

Fowey conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search organisations such as Searches UK The local search plays an important part in many a Fowey conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your property. The search will reveal information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject sections.

About to purchase a new build apartment in Fowey. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Fowey

The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? There must be mutual enforceability of lessee’s covenants.

My husband and I are first time buyers - had an offer accepted, but the property agent advised that the seller will only go ahead if we appoint their recommended lawyers as they want an ‘expedited deal’. Our preferred option is to instruct a family solicitor who is accustomed to conveyancing in Fowey

We suspect that the owner is not behind this request. If they desire ‘a quick sale', alienating a serious purchaser is is going to put the whole deal at risk. Contact the sellers directly and make the point that (a)you are genuine purchasers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you will continue to appoint your own,trusted Fowey conveyancing lawyers - as opposed tothose that will give their negotiator at the agency a introducer fee or meet his conveyancing targets demanded by head office.

What is the difference between surveying and conveyancing in Fowey?

Conveyancing - in Fowey or anywhere in England and Wales - is the process of legally transferring legal title of property from one person to another. It involves the checking of the title. Whether buying or selling, you should be aware of anything affecting the property such as proposals by government departments, illegal buildings, or outstanding rates. The conveyancer should conduct the appropriate searches and inquiries on the property. Surveying relates to the structure of a property itself. A surveyor will look at a house, flat and any outbuildings you’re buying and will help you find out about the condition of the building and, if there are problems, give you leverage for reducing the price down or asking the seller to fix the defects prior to you complete your move.