Does a property solicitor in Lancashire apply for any searches on the Lancashire Fifties semi-detached home I am buying?
The normal legal protocol will be to get Local Authority (personal or official), Drainage Search (Con29DW) and Environmental and perhaps less common searches such as Limestone Search.
Which areas of Lancashire are safeguarded by a conservation area?
Parts of Lancashire considered be of 'special architectural and historic interest', like 18th century suburbs, may be designated as conservation areas. Ruff Lane, Scarisbrick Park and Leyland Cross are among the conservation areas in Lancashire. Your property solicitor will be able to offer more information and address the impact buying in a conservation area may have.
We are buying a property where the seller appears to have installed removal of chimney stacks to the house which I think might conflict with the Scarisbrick Park conservation area guidelines.
The solicitor will carry out searches identify if the property is affected by a designated conservation area, and if so whether any modifications have the appropriate permissions from the Ribble Valley planning authority.
For a fast conveyancing process to buy a £654k property, what can we do to speed up our move?
As is widely reported, finding a communicative solicitor is essential to a fast completion. There are several things you as the buyer can also do to speed up your conveyancing, such as, responding to all correspondence via the fastest means, calling or emailing the solicitor, and chase them if you suspect any delays and arranging your mortgage offer.
In what ways does my conveyancing solicitor in Lancashire report back on the risk and history of possible flooding in the Lancashire area?
A necessary component in the conveyancing protocol involves your lawyer applying for environmental searches that set out information on the subject of Lancashire flood risk area. In certain cases the Lancashire conveyancing solicitor may possibly advocate a significantly more in-depth flood search.
Is it recommended that we get a chancel search? I am purchasing on the same street as a church built in the 1600s in Lancashire.
Where land in Lancashire was once owned by a lay-rector, new owners of that property may be obliged to pay for repairs to churches. Parochial Church Councils in Lancashire must register their interest over property by October 2013, simplifying the chancel search process. Your solicitor can provide more details.
Do we need to get a house survey for this Lancashire home purchase?
It is heavily suggested that the majority of purchasers in Lancashire arrange a property survey when buying in Lancashire. There are a wide range of issues which can affect a property, which a conveyancing solicitor will not report on. These include roof spread and unsafe chimney circulation.
How does a Help to Buy scheme work for me?
This government-sponsored scheme aims to assist homebuyers with three ways of purchasing a property:
- Help to Buy ISA - if you are a first-time buyer and don’t own any other property (anywhere in the world), and you don’t have another cash ISA opened in the same tax year, when you buy your first home, the solicitor will apply for the government bonus on your behalf when closure of your Home to Buy ISA used to buy the property is confirmed.
- Help to Buy: Equity Loan - if you have no other property and are buying a newly-built home, the government will provide 20% of the cost of the house (up to a maximum of £600,000), leaving you with the saved 5% deposit and a 75% mortgage to cover the remainder. This is open to current homeowners and first-time buyers, and the home cannot be sublet nor can it be used in a part-exchange deal.
- Help to Buy: Shared Ownership - if your household earns less than £80,000, you could be eligible for this scheme, which allows you to buy between 25% and 75% of the home’s value, while the government pays the remainder on which you would then pay rent.
(information retrieved from HM Government’s Help to Buy website on 16 April 2019).
Contact the Money Advice Service, the government’s Help to Buy website, or your local ‘Help to Buy’ agent for more information.