My partner and I have just purchased a house in Melbourn. We have noticed several problems with the property which we believe were missed in the conveyancing searches. What action can we take? What searches should? have been carried out as part of conveyancing in Melbourn?
It is not clear from the question as what problems have arisen and if they are unique to conveyancing in Melbourn. Conveyancing searches and due diligence initiated during the buying process are carried out to help avoid problems. As part of the legal transfer of property, a seller completes a document called a SPIF. answers proves to be inaccurate, 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 Melbourn.
It is 10 years ago since I acquired my home in Melbourn. Conveyancing lawyers have just been appointed on the sale but I am unable to track down the title documents. Is this a major issue?
Don’t worry too much. Firstly there is a possibility that the deeds will be with your lender or they may be in the possession of the lawyers who oversaw your purchase. Secondly in most cases the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring up to date copy of the land registers. The vast majority of conveyancing in Melbourn relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
I am buying a house and the lawyer has referenced Chancel Repair to which the house may be obligated to contribute to because it falls into the area of such a church. He has recommended insurance. Is this really warranted for conveyancing in Melbourn
Unless a previous acquisition of the property took place post 12 October 2013 you could expect lawyers carrying out conveyancing in Melbourn to continue to suggest a chancel search and or chancel repair liability insurance.
I own a terraced Edwardian house in Melbourn. Conveyancing practitioner acted for me and Britannia. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the matching address. 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 as there may be 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 Melbourn and other areas of 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 mortgage companies. You can also question the situation with your conveyancing solicitor who completed the work.
I have been on the look out for a flat up to £235,500 and found one round the corner in Melbourn I like with a park and railway links in the vicinity, however it only has 61 remaining years left on the lease. I can't really find anything else in Melbourn in this price bracket, so just wondered if I would be making a mistake acquiring a short lease?
Should you require a home loan that many years will be problematic. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of 2 years you can ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this.