Should my conveyancer be making enquiries concerning flooding as part of the conveyancing in Haringey.

The risk of flooding is if increasing concern for conveyancers dealing with homes in Haringey. Some people will acquire a house in Haringey, completely aware that at some time, it may be flooded. However, aside from the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable building insurance, or dispose of the property. There are steps that can be taken during the course of a house purchase to forewarn the purchaser.

Solicitors are not best placed to offer advice on flood risk, but there are a number of searches that can be initiated by the buyer or on a buyer’s behalf which will figure out the risks in Haringey. The conventional set of property information forms given to a buyer’s solicitor (where the Conveyancing Protocol is adopted) contains a usual question of the vendor to find out whether the property has ever been flooded. In the event that flooding has previously occurred which is not disclosed by the vendor, then a purchaser could issue a compensation claim as a result of such an misleading answer. A buyer’s lawyers should also order an environmental report. This should disclose whether there is a recorded flood risk. If so, further investigations will need to be made.

I'm purchasing my first flat in Haringey with the aid of help to buy. The developers refused to reduce the price so I negotiated 6k of extras instead. The sale representative suggested that I not inform my conveyancer about this side-deal as it may impact my loan with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer 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.

I was advised by a few estate agents in Haringey to select a solicitor on your site. Is there a financial incentive for Estate Agents to promote your lawyers over alternative conveyancing organisations?

We refuse to make any financial incentive for sending work in our direction. We thought it would be too underhand a fee because members of the public would think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.

I need to instruct a conveyancing solicitor for sale conveyancing in Haringey. I have stumble across a site which seems to have the ideal answer If there is a chance to get all the legals done via web that would be ideal. Should I be wary? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Do online conveyancing organisations undertake everything a local Haringey solicitor does or must I employ a solicitor for the final stages for my conveyancing in Haringey?

Where you choose an online conveyancer they will cover all the work your Haringey conveyancer would cover.