We need to know which Bickley lenders your lawyers are able to work with. Which panels are you on?
The Homeward Legal partnership have solicitors who have experience working with all the major lenders providing financing to buyers in Bickley. Local mortgage lenders and brokers include Mortgage Brokers In Chester, 18 Barrowmore Enterprise Est/Village Rd, Great Barrow, Chester, CH3 7JS, CS Mortgage Services Ltd, 59 Oaklands, Guilden Sutton, Chester, CH3 7HE, and Bridgeways, Station Rd, Scholar Green, Stoke-On-Trent, ST7 3JZ.
Bookshops have collections of useful manuals giving details on do it yourself conveyancing for example Conveyancing Handbook by Frances Silverman. That being the case, do I need to instruct a lawyer in Bickley ?
There are no arguments why you cant adopt a DIY approach and carry out the legal and technical work without the help of conveyancer in Bickley.
The truth is however that a conveyancing solicitor juggles a large number of roles from including chasing any outstanding docs and ensuring warranties are transferable which require experience.
Even more importantly have a go conveyancers take huge risks in operating without applicable cover which all solicitors practices must get.
What will contaminate land in Bickley, and should they be an issue?
A range of contaminants caused by naturally-occurring factors may potentially impair Bickley property, like landfill sites or shallow mining. An environmental search will reveal this in more detail.
When should I book a removals firm?
It’s very tempting to get wrapped in the excitement of moving home and wanting to get everything sorted out and in the diary. But, if you book a removals firm too early, prior to the exchange of contracts (when the date and time of completion is legally set), you risk the possibility that the date might change, thereby having to pay a fee to the removals firm to change the plans.
There is nothing stopping you in contacting a selection of firms to get a quote for removal and to negotiate the possibility of pencilling a date in but ensure you obtain agreement that this is subject to change and confirmation.
The home I’m buying has been empty for two years; what questions should I be asking the solicitor, the estate agent, and the surveyor?
If a home has been empty for a considerable period (such as the two years mentioned here), there’s usually a reason for it. There is estimated to be around a quarter of a million properties in the country that have been empty for more than 6 months.
The primary reason is that the owner hasn’t the funds to renovate the property, or they’ve started gutting the place and run out of money to take it further, or perhaps there’s been a significant problem (e.g. fire or flood are common instances). Most likely, these properties will come up at auction.
Your estate agent will be aware of its history if the property is on their books, so you can find out a lot from them, the council will have an empty property officer, and the Land Registry will have information on the deeds. As far as the solicitor is concerned, they will establish the position on the property as part of the conveyancing, while the surveyor will have experience of checking out such properties, with the advice that you order a Building Survey (the most detailed of the options) to check out its structural integrity. Note that mortgage lenders will be more reluctant to offer a loan on such homes.
Ultimately, the ball is in your court and, if you want to pursue buying such a property, you need to be prepared to do the research, which can take up a lot of time.
The moving process can be bewildering and stressful. Let Homeward Legal look after the legal side of things for you and we'll guide you through the process from start to end. Call 0800 038 6699 to find out more.
What kind of fact finding about the potential risk of possible flooding in Bromley will my property lawyer in Bickley check on a residential house I am wanting to purchase?
A qualified lawyer will carry out standard protocol environmental searches, which include Bickley flood risk data. At the time of writing (03/01/13) reports on the Environment Agency flood reports website do not list any flood warnings in Bickley.
Is it easy to sell a house without using an estate agent?
It’s relatively straightforward to sell your own home without involving an estate agent, although you should be warned that it’s a time-consuming process (which is why agents set a certain fee to pay for their time in getting your home sold).
First you need to get a proper valuation of your home, which can be done by paying a chartered surveyor and registered valuer, or you can research the house prices in the area for similar properties to get an idea of how they are selling.
Once you are happy with the price, you can advertise the property (there are several free sites that allow you to do this). Legally, you’re required to obtain an Energy Performance Certificate for the property before putting it up for sale, so you’ll need to organize a registered energy assessor to create this for you. Then you can start arranging viewings and negotiate an agreed price with anyone who is interested.
We would recommend, however, that you sign up with an estate agent as they can do all the leg work for you. The key thing, though, is to understand their fees and rates before signing an agreement with them.
Should we get a chancel search when we are buying a Bickley home near a 1500s 'church furlong'?
In Bickley, some owners can be required to contribute towards the cost of upkeep of church property in the locality. Owners who have bought property prior to 2003 may be totally unaware that a liability exists if a chancel search was not carried out. Your conveyancing lawyer will suggest an appropriate indemnity policy to address chancel liability. Church lands in the local area which may give rise to chancel liability include St George and St Wenefrede.