Last August we completed a house move in Solihull. We have noticed several issues with the property which we suspect were omitted in the conveyancing searches. What action can we take? What searches should? have been ordered for conveyancing in Solihull?
It is not clear from the question as to the nature of the problems and if they are relate to conveyancing in Solihull. Conveyancing searches and due diligence initiated as part of the legal transfer of property are designed to help avoid problems. As part of the legal transfer of property, a seller completes a document referred to as a SPIF. answers provided is 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 Solihull.
We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to use their panel lawyer as I would prefer to use a specialised conveyancing solicitor in Solihull?
Do check but the the probability is that appoint one of their panel conveyancers where you take up the "fee-free" deal. Speak to the lender to determine if they make available a cash alternative. Some mortgage companies have previously offered a £250 cashback as a further option in which case that money can go towards the cost for your conveyancing solicitor near Solihull.
Forgive me if this question is silly but I am wet behind the ears as a first time buyer of a two bedroom flat in Solihull. Do I collect the keys to the house on the completion date from my conveyancer? If so, I will use a High Street conveyancing solicitor in Solihull?
On the day of completion you will not be required to attend the conveyancers office in Solihull. Your solicitors will electronically transfer the completion advance to the owner’s solicitors, and once they have received this, you will be called to collect the keys from the Estate Agents and move into your new home. Usually this occurs between 1 and 3pm.
I am buying a property in Solihull. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Nationwide be concerned?
Given that your lender is Nationwide your lawyer must comply with the formal requirements outlined in Section 2 of UK Finance Lenders’ Handbook for Nationwide. The Council of Mortgage Lenders’ Handbook contains minimum conditions for solar panel roof-space leases, and solicitors are required to report to Nationwide where a lease does not satisfy these specifications. The specifications relate to the installation of panels on properties in England and Wales and is not limited to Solihull.
Completion of my purchase has taken place for my property in Solihull. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Is it necessary to pay for insurance to address the risk of chancel repairs when buying a property in Solihull?
Unless a prior acquisition of the house completed after 12 October 2013 you could take it that conveyancing practitioners carrying out conveyancing in Solihull to remain encouraging a chancel search and or chancel repair liability insurance.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what should have been a quick, no chain conveyancing. Solihull is where the house is located. Can you offer any advice?
Flying freeholds in Solihull are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Solihull you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Solihull may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.