It is a dozen years since I purchased my house in Bowness On Windermere. Conveyancing lawyers have now been instructed on the sale but I can't find my deeds. Is this a major issue?
Don’t worry too much. First the deeds may be kept by the lender or they may be in the possession of the lawyers who oversaw the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Bowness On Windermere relates to registered property but in the rare situation where your home is unregistered it is more of a problem but is not insurmountable.
My wife and I have recentlyacquired a house in Bowness On Windermere. We have noticed several issues with the house which we suspect were missed in the conveyancing searches. Do we have any recourse? What searches should? have been conducted as part of conveyancing in Bowness On Windermere?
The query is vague as to the nature of the problems and if they are relate to conveyancing in Bowness On Windermere. Conveyancing searches and investigations undertaken during the buying process are supposed to help avoid problems. As part of the legal transfer of property, a property owner answers a form referred to as a SPIF. If the information is 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 Bowness On Windermere.
Due to the advice of my in-laws I had a survey completed on a house in Bowness On Windermere prior to appointing lawyers. I have been told that there is a flying freehold element to the house. Our surveyor has said that some banks will not grant a loan on this type of property.
It varies from the lender to lender. HSBC has different instructions from Halifax. Should you wish to call us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bowness On Windermere. Conveyancing will be smoother if you use a solicitor in Bowness On Windermere especially if they are familiar with such properties in Bowness On Windermere.