What will a Westonzoyland conveyancing lawyer recommend if the flat we want to buy is situated in a Sedgemoor council conservation area which seems to have ill-suited windows fitted?
Local authority Requisition for search and Official Certificate of Search conducted by your Westonzoyland conveyancing solicitor should ascertain if the property is within a conservation area proof of council approval for alterations will be supplied.
Should no appropriate permissions be in evidence your conveyancing solicitor will advise you of all options like getting covered by an indemnity insurance policy or getting retrospective approval from the council.
Is a stock transfer form fee passed on at cost?
Disbursements and fees ought to be stated on a quote, without any hidden charges in the 'small print'. This cost is a fee not a disbursement, and should be included in a quote for your conveyancing.
If we are buying a Westonzoyland residence near a 1300s 'parson's close', do you advise that we get a chancel search?
The result of a landmark case 10 years ago confirmed that chancel repair liability could be enforced. Insurance may be available to protect a buyer should a Westonzoyland Parochial Church Council enforce liability. Westonzoyland church lands where a chancel search may be necessary include The Blessed Virgin Mary.
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.
Which local authority looks after Westonzoyland?
Westonzoyland is located in Sedgemoor District Council, Bridgwater House, King Square, Bridgwater, Somerset, TA6 3AR, Call: 0845 408 2540
What do I provide to the solicitor on my house sale?
The list of documents required is quite simple, but will be required at different stages of the process (but ideally any forms should be completed and returned on the day of receipt and preferably delivered by hand or email).
- Proof of id
- Title deeds (if you have them; they might be lodged with the solicitor who handled the purchase of the property you are selling, or the mortgage company)
- Fixtures and Fittings Form (TA10)
- Property Information Form (TA6) – information on boundaries, disputes and complaints with neighbours, notices and proposals, alterations and planning consents, building regulations, electricity and gas certificates, guarantees and warranties, insurance, environmental matters affecting the property, rights and informal arrangements, parking, other charges, services, connection to utilities and services, and transaction information
- Copies of documents referenced in the PIF
- Leasehold or shared freehold documents
- Management Information Pack
- Energy Performance Certificate
Providing all this documentation as quickly as possible, as well as responding to arising questions throughout the conveyancing within a couple of hours will help to speed the conclusion of your transaction up considerably.
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.
What can be done about trees with TPOs if they are cutting out the light into the house?
Tree Preservation Orders (or TPOs) are legal protections for individual trees, which means you are prohibited from pruning, cutting or removing the plant without the formal consent of the local authority. There are certain caveats such as whether it is causing an immediate danger to life, but the local authority will still need to be informed.
As a homeowner, you have a number of rights, including Right to Light: that is, you should expect natural daylight to enter your property through windows without being blocked (again there may be caveats which will be unearthed in the conveyancing). If a tree with a TPO has grown so much that it is blocking out light, you can apply to the local authority for permission to prune the tree sufficiently to return your Right to Light. It becomes more complex if the tree in question is on a neighbour’s property, and you should discuss any resulting costs with them.
Homeward Legal's solicitors have years of experience in dealing with all sorts of legal issues including TPOs, providing you with practical guidance and help. We are best placed to help you with your move, so call our team on 0800 038 6699 today.