Categories
Wills
Our prices for providing Wills;-
Standard Will
£100.00 + VAT
OAP special rate
£75.00 + VAT
Mirror Will
£150.00 + VAT
Optional searches
What is a Flood Search?
According to a recent article published in the Law Society’s Property in Practice magazine, currently 2.2 million homes in the UK are classed as being at flooding risk (equal to 1 in 10 homes).
The GroundSure Flood Report is a risk screening report designed to provide an overview of whether a property lies within an area of potential or previous flood risk. The data also takes into account flood defences and historic claims.
Living in a high risk flood area may decrease the value of your property and affect your insurance premiums.
Free flooding information is available to homebuyers at www.homecheck.co.uk and will indicate whether the property is situated in a likely flooding area.
This is only the most basic information and it would be prudent to have a flooding search undertaken on the property when buying a house.
The cost of this search and further advice regarding undertaking it can be provided upon request.
What is an Environmental Search?
The Problem
HOMEBUYERS are often unaware that although the house they purchase may be in good condition, the land upon which it is built may not be. This is something the usual searches will not uncover. The local search will not reveal any landfill sites, waste disposal dumps or whether the land is at risk from contamination, toxic emissions, flooding, subsidence or radioactivity. It has been found that there are over 250,000 sites, which have been filled, and that there are over 400,000 industrial sites, which are no longer in existence, which may have contaminated land. Many of these sites may have already been built on to provide housing. Landfill waste disposal and old industrial land are known as “brownfield” sites. The principle caveat emptor “the buyer beware” applies and if you purchase land that is contaminated, you may be liable to pay for the clean-up costs of the pollution created by former owners.
Why undertake an environmental report?
The Government has declared that 60% of all new houses to be built over the next decade must be built on brownfield sites (thousands already have been). Records exist that there are over 25,000 landfill or waste disposal sites and approximately 40,000 contaminating/polluting processes including discharges and storage of hazardous substances. It is estimated that 1% of all land in Britain is contaminated with pollutants. These are serious enough to warrant enquiry by anyone buying a new home particularly as there are increasing health and safety concerns associated with living on or near landfill sites or sources of contamination. If you purchase a property (without checking the environmental issues) that is contaminated, it will prove very difficult to sell and you may also find that you will have to pay for the clean up costs of the land.
THE SOLUTION
As a result of increased computerisation, it is now possible to obtain details of the present and historical land use for properties in England and Wales. The environmental report provides site-specific data on environmental issues affecting residential property. The report contains information obtained from the Environment Agency, Coal Board, DETR, Ordinance Survey and other data providers. It will provide information on whether the property you are intending to buy has been built on former landfill sites, waste sites or industrial or unstable land. It will also provide a risk assessment as to nearby sites that may release contamination and whether the land is an area affected by Radon gas, flooding landslip coal mining or subsidence. The report covers an area within a 500 metre radius of the property.
Free initial information is available to homebuyers at;-
www.homecheck.co.uk – free flooding information.
www.environment-agency.gov.uk – Free environmental information.
This is only the most basic information and it would be prudent to have an environmental and flooding search undertaken on the property when buying a house.
The cost of these searches and further advice regarding undertaking them is provided during the course of your transaction.
What is a Chancel Search?
This search is commissioned to reveal whether or not the property you are proposing to purchase may be affected by a potential “Chancel Repair” obligation to the local Parish Church. Such obligations stem from mediaeval times where land, previously owned by the Church to fund the local rector, had been sold and the new owner took on the repairing obligation attached to that land. Basically, any property located within the boundaries of a Parish where such a liability exists could be “caught”. The penalty is financial in that it involves having to pay for the upkeep and repair of the chancel of the local mediaeval parish church.
There was a famous case, quite recently, (Aston Cantlow v Wallbank) where the Church sought payment from the owners of the rectorial land (it was part of a property called Glebe Farm) to repair the chancel of the local mediaeval Church. The owners of the rectorial land (known as lay rectors) refused to pay and what was originally a £6000 bill increased to £96,000 as the structure slowly disintegrated. The Church won the case.
Types of Chancel Search
Two types of searches are available;-
- Chancel Check Search
- Full Chancel Search
The basic Chancel Check Search reveals whether property is located within a parish that could charge for repairs to the chancel. It does not show whether or not the actual subject property is located on land that has this responsibility but does indicate a certain level of risk.
The full Chancel Search is much more expensive; however it would reveal whether the actual subject property was liable. If it was, then we would need to register this liability with HM Land Registry.
Dealing with positive results
If positive results are revealed in either case, then it is possible to obtain indemnity insurance to insure against future claims being made against you. We would provide you with full details and a quotation as to cost if this were the case.
It has to be said that we are not aware of any claims being made in the Teesside area against any person in respect of chancel repairs. That being said, we cannot confirm that no such claims will be made in the future, which is why we ask you to make a decision regarding whether or not to undertake the search. The Law Society has been calling for the Government to abolish chancel repair liability for some time.
Will Aid
In July 2011 we are taking part in Will Aid on behalf of the British Liver Trust
Testimonials
Dean Parker:
November 29, 2009
Thank you so so much for all your help with getting me access to my son. Was a long slog but so worth it and thank you to Paul, Michelle and the rest of the staff there for making it possible


Recent Comments