Will my solicitor be raising enquiries about flooding during the conveyancing in Prestbury.

The risk of flooding is if increasing concern for lawyers dealing with homes in Prestbury. Plenty of people will buy a house in Prestbury, completely aware that at some time, it may be flooded. However, aside from the physical destruction, where a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or sell the property. There are steps that can be taken during the course of a house purchase to forewarn the purchaser.

Solicitors are not qualified to offer advice on flood risk, however there are a numerous searches that can be carried out by the purchaser or on a buyer’s behalf which should give them a better appreciation of the risks in Prestbury. The standard property information forms supplied to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) contains a usual question of the vendor to determine if the premises has suffered from flooding. In the event that the property has been flooded in past and is not notified by the seller, then a purchaser may bring a legal claim for losses as a result of such an incorrect response. A purchaser’s conveyancers should also carry out an environmental report. This will higlight if there is a recorded flood risk. If so, additional investigations will need to be conducted.

Despite weeks of looking the Title Certificate and documents to my property can not be found. The conveyancers who conducted the conveyancing in Prestbury 5 years ago have long since closed. What are my options?

Gone are the days when you need to hold title official documentation to prove you own the land or premises, given that the Land Registry have everything they need in a digital format.

I am buying my first flat in Prestbury with a mortgage from . The builders refused to budge the price so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not disclose to my solicitor about the extras as it would impact my mortgage with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the guidance of my in-laws I had a survey completed on a property in Prestbury in advance of instructing conveyancers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some lenders tend not give a loan on this type of house.

It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Prestbury. Conveyancing may be slightly more expensive based on your lender's requirements.

I have been pointed in your direction by a few estate agents in Prestbury to choose a conveyancer using your seach tool. What’s the financial inducement for Estate Agents to offer your site over and above another?

We don’t offer any referral fee for sending work to this site. We found it would be just too difficult to pay a commission because members of the public would think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.