My partner and I have lately acquired a house in Swadlincote. We have since encountered a number of problems with the house which we believe were omitted in the conveyancing searches. What action can we take? What searches should? have been conducted as part of conveyancing in Swadlincote?
The query is vague as to the nature of the problems and if they are relate to conveyancing in Swadlincote. Conveyancing searches and due diligence initiated as part of the buying process are supposed to help avoid problems. As part of the process, a seller answers a questionnaire known as a SPIF. If the information proves to be inaccurate, you could possibly take legal action against the owner 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 Swadlincote.
I require quick conveyancing in Swadlincote as I am faced with a deadline to sign on the dotted line inside one month. A mortgage is not required. Is it possible to decline from having conveyancing searches to save fees and time?
As you are not taking a mortgage you have the choice not to do searches although no conveyancer would recommend that you don't. With plenty of history conveyancing in Swadlincote the following are examples of what can show up and adversely impact the marketability of the property: Enforcement Actions, Outstanding Charges, Overdue Grants, Unadopted Roads,...
I opted to have a survey done on a house in Swadlincote in advance of appointing solicitors. I have been advised that there is a flying freehold element to the house. The surveyor advised that some lenders tend refuse to grant a loan on this type of home.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Swadlincote. Conveyancing may be slightly more expensive based on your lender's requirements.
Do I need to be suspicious that third parties that I am dealing with are recommending a national conveyancing firm rather than a High Street Swadlincote conveyancing practice?
As with lots of professional services, often referrals from connections can be most helpful. But there are many people with a vested interest in a conveyancing matter; estate agents, mortgage brokers and mortgage companies might all put forward solicitors to retain. On occasion the solicitors might be known to one of the organisations as experts in their field, but occasionally there might be a commercial relationship behind the recommendation. You are at liberty to choose your own lawyer. You need to be aware that some lenders operate an approved list of law firms you must use for the mortgage related work in your house move.
I bought a property in Swadlincote last 30/4/2020 and to date it is still not registered with the Land Registry. It was part of a new estate and my lawyer told me that it may take 12 months to register. I have spoken with HMLR directly and they say that the initial application was cancelled due to failure to reply to requisitions. Do I need to be concerned?
Call your lawyer - Where you are unsatisfied with the responses, enquire as to their internal complaints process and amplify your concerns to a Complaints Manager. Registrations for Swadlincote conveyancing are not known to be particularly slow.