I am purchasing a detached bungalow in Morganstown. The intention is to carry out an extension to the side at the house.Will legal work on the property involve checks to ascertain if these alterations are prohibited?
Your property lawyer should check the registered title as conveyancing in Morganstown can on occasion identify restrictions in the title deeds which prevent certain changes or necessitated the permission of a 3rd party. Many extensions call for local authority planning permissions and approval under the building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
We have agreed to purchase a house in Morganstown. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Bank of Ireland be concerned?
Given that your lender is Bank of Ireland your lawyer must check the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for Bank of Ireland. The Council of Mortgage Lenders’ Handbook sets out minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Bank of Ireland where a lease does not meet these requirements. The requirements relate to the installation of panels on properties countrywide and is not limited to Morganstown.
I have instructed a Morganstown lawyer having checked that they are on the Principality conveyancing panel. Does my lawyer arrange the survey of the property?
Principality will need an independent valuation of the property. Your lawyer will not arrange this. Usually Principality will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Morganstown surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I note that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when buying a property in Morganstown? or I am told that there is an ancient law that could mean that house owners residing in a parish church boundary may be liable to contribute towards maintenance towards the chancel in proximity to the church. Is this relevant for conveyancing in Morganstown?
Unless a prior purchase of the premises completed after 12 October 2013 you could expect conveyancing practitioners carrying out conveyancing in Morganstown to continue to recommend a chancel search and or chancel repair liability policy.
I used Stirling Law several years past for my conveyancing in Morganstown. I now require my file but the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Morganstown of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Morganstown differ for newly converted properties?
Most buyers of new build premises in Morganstown come to us having been asked by the seller to sign contracts and commit to the purchase even before the residence is built. This is because house builders in Morganstown typically buy the real estate, 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 conveyancers 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 accustomed to new build conveyancing in Morganstown 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 Morganstown ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some banks tend refuse to give a loan on a flying freehold house.
It depends who your proposed lender is. Lloyds has different instructions from Birmingham Midshires. If you contact us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Morganstown. Conveyancing may be slightly more expensive based on your lender's requirements.