Will our solicitor be raising questions concerning flooding during the conveyancing in Melton Mowbray.

The risk of flooding is if increasing concern for conveyancers carrying out conveyancing in Melton Mowbray. There are those who acquire a property in Melton Mowbray, fully aware that at some time, it may be flooded. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to obtain a mortgage, adequate building insurance, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.

Lawyers are not best placed to offer advice on flood risk, however there are a various searches that may be carried out by the buyer or on a buyer’s behalf which can give them a better appreciation of the risks in Melton Mowbray. The standard information supplied to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) includes a standard question of the owner to find out if the property has historically flooded. If the residence has been flooded in past and is not disclosed by the owner, then a buyer could bring a legal claim for losses as a result of such an incorrect reply. A buyer’s solicitors may also commission an enviro report. This should disclose if there is any known flood risk. If so, further investigations will need to be made.

Me and my brother have a renovated Victorian property in Melton Mowbray. Conveyancing solicitor represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the matching property. If a house is not a freehold shouldn't I have been informed?

You need to 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 Melton Mowbray and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with the conveyancing solicitor who conducted the purchase.

I am buying a new build apartment in Melton Mowbray. 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 few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Melton Mowbray

Please supply a car parking plan. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?

I am looking for a ground for flat up to £305k and found one near me in Melton Mowbray I like with amenity areas and railway links in the vicinity, the downside is that it only has 52 years unexpired on the lease. There is not much else in Melton Mowbray suitable, so just wondered if I would be making a grave error buying a lease with such few years left?

If you require a home loan the remaining unexpired lease term will be an issue. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this matter.

My mum and dad cant seem to find their Melton Mowbray property on the HM Land Registry online search facility. They recall that back in the 60’s when they purchased the bungalow there were complications with the address not being identified on some systems.

Almost all premises in Melton Mowbray should be revealed. Have you tried a search with simply the postcode. Usually it will mention all the properties inside the postcode. Assuming the property is recorded it will be there with a title number. If they bought back in the 70’s it's conceivable it may be unrecorded. The property might still be revealed but with the title number identified as 'na'. In this scenario you will need to find the original title deeds which may be with your parent’s bank.