My wife and I have just acquired a house in Littlehampton. We have noticed several problems with the property which we believe were missed in the conveyancing searches. Do we have any recourse? What searches should? have been conducted as part of conveyancing in Littlehampton?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Littlehampton. Conveyancing searches and investigations initiated as part of the legal transfer of property are carried out to help avoid problems. As part of the process, a property owner fills in a form referred to as a Seller’s Property Information Form. answers is misleading, you may have a misrepresentation 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 Littlehampton.
We are purchasing a house and require a conveyancing solicitor in Littlehampton who is on the TSB approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for TSB . We don't recommend any particular firms conducting conveyancing in Littlehampton.
I have a mortgage with Kent Reliance for my property in Littlehampton. Conveyancing has been completed a year ago. If I am intending 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 Kent Reliance?
Kent Reliance must be informed of your intention in advance of renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies will permit you to let 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 Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel firm.
I am selling my flat. I had a double glazing fitted in February 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, TSB are being difficult. The Littlehampton solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are insisting on a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
After what seems like an age I have had an offer on a flat in Littlehampton accepted, but there is a chain. The owners have offered on a property, however it’s not yet agreed to, and have viewings of other apartments booked. I have chosen a nearby conveyancing solicitor in Littlehampton. What should be my next step? At what stage should I apply for the mortgage with UBS?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Littlehampton conveyancing search charges, etc). First, you should check that your conveyancer is on the UBS approved list. Regarding the subsequent phase this very much depends on the specifics of your transaction, motivation for the property and on the state of the market. In a rising market the majority of purchasers will apply for a home loan with UBS and arrange for the valuation and only if it comes back ok would they pay their conveyancing practitioner to press on with searches.
I am purchasing a new build house in Littlehampton with the aid of help to buy. The builders would not reduce the price so I negotiated 6k of fixtures and fittings instead. The sale representative suggested that I not to tell my conveyancer about the deal as it may impact my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How do I search for a Littlehampton law firm on the Alliance & Leicester conveyancing panel? I drive a motor bike and am willing to travel upto 20miles to meet the conveyancer.
Feel free to make use of the facility on this page. Please choose the lender and your location and you will see a number of Littlehampton conveyancing lawyers based on proximity. We have listed some Littlehampton conveyancing firms at the bottom of this page and you can telephone them to verify if they are on the Alliance & Leicester panel