Will our lawyer be asking questions regarding flooding as part of the conveyancing in Stansted.

Flooding is a growing risk for solicitors carrying out conveyancing in Stansted. Some people will buy a house in Stansted, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable insurance cover, or sell the premises. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.

Solicitors are not best placed to give advice on flood risk, however there are a numerous checks that may be initiated by the purchaser or on a buyer’s behalf which can give them a better understanding of the risks in Stansted. The conventional set of completed inquiry forms sent to a buyer’s solicitor (where the Conveyancing Protocol is adopted) contains a usual question of the seller to find out whether the property has suffered from flooding. In the event that flooding has previously occurred which is not revealed by the seller, then a buyer may bring a compensation claim resulting from an inaccurate reply. A buyer’s lawyers may also conduct an environmental search. This will disclose whether there is any known flood risk. If so, further investigations should be initiated.

I'm buying a new build house in Stansted with a loan from Barclays Direct. The builders refused to reduce the amount so I negotiated £7000 of additionals instead. The property agent told me not reveal to my solicitor about this deal as it would put at risk my mortgage with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer 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.

I am downsizing from my home. My past lawyers has retired. It would be helpful to have a recommendation of a conveyancing firm. I happen to live in Stansted if that makes things easier.

Do use our search tool to help you find a solicitor for your conveyancing in Stansted. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes with a minimum of fuss.

In sourcing the internet for the phrase on line conveyancing in Stansted it shows results of many solicitorslocally. With so much choice what is the best way to find the right property lawyer for the sale of my house?

The preferential way of finding the right conveyancer is via personal referral, so ask friends and relatives who have acquired a property in Stansted or the reputable estate agent or financial adviser. Costs for conveyancing in Stansted differ, so it's a good idea to secure a minimum of four fee calculations from varying types of conveyancers. Be sure to seek confirmation that the fees are fixed.

I've found a house that seems to tick a lot of boxes, at a reasonable figure which is making it more attractive. I have just found out that the title is leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Stansted. Conveyancing advisers have not yet been appointed. Will they explain the issues?

Most houses in Stansted are freehold and not leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can assist with the conveyancing process. We note that you are buying in Stansted in which case you should be looking for a Stansted conveyancing solicitor and check that they are used to dealing with leasehold houses. First you will need to check the number of years remaining. Being a tenant you will not be at liberty to do whatever you want with the house. The lease will likely included provisions for example obtaining the freeholder’spermission to conduct alterations. You may also be required to pay a contribution towards the upkeep of the estate where the house is part of an estate. Your lawyer should report to you on the legal implications.