Last May we completed a house move in Warlingham. We have noticed several issues with the property which we believe were omitted in the conveyancing searches. Is there anything we can do? What searches should? have been ordered for conveyancing in Warlingham?
The question is vague as what problems have arisen and if they are specific to conveyancing in Warlingham. Conveyancing searches and investigations undertaken during the legal transfer of property are supposed to help avoid problems. As part of the process, a seller fills in a form referred to as a SPIF. answers proves to be misleading, 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 Warlingham.
What is the difference between a licensed conveyancer and conveyancing solicitor in Warlingham
Two types of professional can carry out conveyancing in Warlingham namely licenced conveyancers or solicitors. Both professionals administer the legal services that required to complete the disposal or acquisition of property. They are both required to perform Warlingham conveyancing on similar standards and guidelines so you may be sure that your conveyancing will be properly carried out and that the necessary procedures should be accurately taken.
It is not clear whether my lender requires a lease extension. I have called my Warlingham bank branch on numerous occasions and was advised it wasn't a problem and they would lend. My Warlingham conveyancing solicitor - who is on the lender conveyancing panel- called and was told they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Your solicitor has to follow the CML Handbook Part 2 provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
My offer was accepted on a house in Warlingham on 27/6/2025, valuation was booked 4 days later, received a clean bill of health. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Skipton and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Skipton conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The solicitors who conducted the conveyancing in Warlingham 4 years ago are no longer around. Will I be able to sell the house?
Assuming you have a registered title the information relating to your proprietorship will be evidenced by the Land Registry with a Title Number. It is possible to carry out a search at the Land Registry, identify your property and get current copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will usually retain a file copy of the Registered Lease and again, a copy can be ordered for a small fee.
I opted to have a survey completed on a property in Warlingham in advance of appointing solicitors. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some banks may refuse to grant a loan on such a property.
It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Warlingham. Conveyancing will be smoother if you use a solicitor in Warlingham especially if they are accustomed to such properties in Warlingham.
New build sellers have recommended to me a conveyancing practitioner and I've obtained an estimate from them. It's almost £300 less expensive than my preferred Warlingham lawyer. Should I use them?
Housebuilders often have panels of conveyancers who are quick and who know the builder's paperwork and conveyancer. As many developers offer an incentive to select their approved lawyer for this reason, any increased cost can be avoided and a developer will not recommend a conveyancing warehouse and run the risk of having the transaction delayed when they need an exchange within a tight deadline. The argument for not agreeing to use the suggested lawyer is that they may prove unwilling to fight for your interests at the risk of upsetting the housebuilder. Where you have concerns that this may be the situation you should stick with your high street Warlingham conveyancer.