Should we get a building surveyor to look into our Wroxham home purchase?
It is suggested that home buyers in Wroxham order a RICS survey. There can be a range of problems that can negatively affect a property, which a conveyancing solicitor will not report on. These include subsidence.
What is the authority that is responsible for keeping order in the standard of the conservation areas in Wroxham?
Local Wroxham conservation area issues, such as the historic layout of roads, side extensions or ugly highway signs are governed by the local Broadland planning authority. English Heritage have assembled a detailed list in relation to the condition of conservation areas in Norfolk and throughout England as well as the exposure to deterioration or improvement.
We are purchasing with Prudential Banking, is there anything I need to check?
Some lenders are now reducing their 'solicitor panel'. For buyers, this can result in significantly greater legal costs. We can act for the majority of CML-approved lenders.
How can I buy the freehold of the building in which I’m purchasing a flat?
When you buy a leasehold flat (usually for a lease lasting a long time), it means that you don’t own the building or the land on which it is built. If you want to buy the freehold of the building (either yourself or with other flat-owners), you’ll need to meet a few legal criteria before that can happen (such as the number of flats, the purpose to which the majority of the building is put to, and the number of flat-owners willing to by the freehold).
One additional point to note is that the shorter the lease on any flat, the greater the price of the freehold is likely to be.
You should talk to other residents about your plan as well as finding out how much the freehold will be and getting a professional valuation. Once you are in a position to move ahead, you’ll need to appoint a solicitor to manage the legal aspect of the planned purchase.
Homeward Legal's solicitors are well-versed in dealing with all types of freehold and leasehold purchases. So call us now on 0800 038 6699 and we'll guide you through the process and assign you to one of the best solicitors.
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.
Will my conveyancing solicitor in Wroxham inform me about the cost of council tax on a Band B townhouse prior to completing on the purchase?
The property solicitor will write to the council to enquire about the currently applicable council tax charges which will then be set out in the conveyancing report on title. Up-to-date charges for homes in Wroxham are published online at the Broadland local authority website. At the time of writing on 27 November 2012 rates for all bands are:
- Band A - £1,009.00
- Band B - £1,178.00
- Band C - £1,346.00
- Band D - £1,514.00
- Band E - £1,850.00
- Band F - £2,187.00
- Band G - £2,523.00
- Band H - £3,028.00