Conveyancing In Windermere Q & A's
What sort of local environmental searches as respects the risk of floods in Cumbria will the conveyancing solicitor in Windermere be able to carry out on an Edwardian house we intend to purchase?
Your conveyancer will carry out conveyancing searches, which include Windermere flood risk area data. An inexpensive (around twenty pounds) and more thorough flood search (e.g Homecheck) may be proposed by the Windermere conveyancer if in the event that the enviro. search show that there is any risk of flooding.
What specific things do I need to look out for if I’m buying a house on the coast?
With worsening weather and floods now becoming increasingly commonplace, with the media remarking on it in depth, buying a property that has a likelihood of flooding is a difficult decision to make. Not only is there the issue of cleaning up if it does flood, but insurance premiums will be much higher (and perhaps even prohibitive).
For homes in coastal areas, there is also the problem of coastal erosion, where some properties have been seen to literally fall into the sea.
However, the good news is that picking a home in a coastal region doesn’t automatically mean that it’s going to be subject to flooding or that it’s eventually going to slip into the sea. The searches ordered by your conveyancing solicitor will identify the level of risk associated with the property and, based on this, your solicitor may recommend that you take out specialist reports (e.g. from Landmark or other organisations) to get a more in-depth description of the risks and options. These are in addition to the standard set and will be charged to you as a disbursement at cost.
Your surveyor will also be able to identify evidence of previous floods and other problems during their inspection and provide advice in their report. If the problems are considered sufficiently severe, the surveyor may also note the specifics for further investigation by your conveyancing solicitor.
Which mortgage lender panels in Windermere are your solicitors members of?
Most lenders in Windermere are on our panels. Local mortgage lenders and brokers include Cumberland Building Society, 18 Main Rd, Windermere, LA23 1DY, HSBC Bank, 15 Crescent Rd, Windermere, LA23 1EF, and Santander, 8 Crescent Rd, Windermere, LA23 1EA. Your solicitor will be able to deal with the particular enquiries and searches your lender requires.
We are buying on a Windermere brownfield site. What should we do regarding tin soil contamination?
Metal contamination may have occurred throughout Windermere, but where substances causing significant pollution of surface waters or groundwater are found the land will be defined as 'contaminated'. Data on many contaminants, such as acidic compounds, will be included in an environmental search.
Myself and my partner are buying in Windermere. How can we check that the house is in a conservation area?
There are a range of conservation areas in or near Windermere. The conveyancing solicitor handling your purchase can advise further and address the consequences of purchasing property in a conservation area.