Last September we completed a house move in Tadworth. We have noticed several issues with the house which we believe were missed in the conveyancing searches. Is there anything we can do? What searches should? have been carried out as part of conveyancing in Tadworth?

It is not clear from the question as to the nature of the problems and if they are specific to conveyancing in Tadworth. Conveyancing searches and due diligence initiated during the buying process are supposed to help avoid problems. As part of the legal transfer of property, a seller fills in a questionnaire known as a Seller’s Property Information Form. answers proves to be incorrect, then you may have a claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Tadworth.

I have a decision in principle. The lender mentioned the home loan came with free conveyancing. Is the implication that I have to appoint their panel lawyer as I would much rather instruct a specialised conveyancing solicitor in Tadworth?

You should check but the chances are that give you one of their panel solicitors should you take up the "fee-free" incentive. Speak to the mortgage company to ask if they allow a monetary alternative. Some mortgage companies have previously offered a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Tadworth.

A relative pointed out to me me that in buying a property in Tadworth there may be various restrictions preventing external alterations to a property. Is this right?

There are a number of properties in Tadworth which have some sort of restriction or requirement of consent to execute external changes. Part of the conveyancing in Tadworth should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I have a mortgage with RBS for my property in Tadworth. Conveyancing has been completed 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?

You must advise RBS before renting your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. You need not do this via a RBS conveyancing panel firm.

Aldermore have agreed my home loan in principle, my bid on a house in Tadworth has been agreed to, what happens next?

Your property agent will need to be advised as to your conveyancing practitioner's details (make sure the conveyancing practitioners are on the lender’s approved list). Call up Aldermore or your financial adviser and finish off any outstanding forms. Aldermore will sellect a valuer who will get in contact with the estate agent or owners to book a time for the valuation to take place. Once carried out (assuming no problems) it takes about a week to get a mortgage offer. Aldermore will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Tadworth.

What does a local search reveal concerning the property we're buying in Tadworth?

Tadworth conveyancing often commences with the submitting local authority searches directly from your local Authority or via a personal search organisations such as PSG The local search is essential in every Tadworth conveyancing purchase; that is if you don’t want any unpleasant surprises after you move into your new home. The search should reveal information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.

Please set a few of compelling advantages to instructing a high street lawyer in Tadworth

A significant proportion of house movers in Tadworth prefer a local solicitor so that they can pop into the lawyer’s offices if they have concerns, and to sign documents without using the post.

There is a distinct benefit in selecting a conveyancer local to the property you are hoping to purchase, due to the in-depth knowledge of the locality and potential local concerns - but this is debatable. Most conveyancers conduct their work via email and could be any place in the world.