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    • Ftb1984
    • By Ftb1984 12th Mar 17, 9:44 AM
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    Ftb1984
    Survey liabilty issue found
    • #1
    • 12th Mar 17, 9:44 AM
    Survey liabilty issue found 12th Mar 17 at 9:44 AM
    FTB just had survey carried out on property and has indicated a possible liability due to property being located in a historical parish or tithe district containing a record of Chancel Liabilty, carried out by pinpoint.

    I am now slightly concerned now whether this will be an issue regarding mortgage or will they simply insist on me taking out an insurance to ensure covered liabilty.

    I am doing my mortgage through a broker and have attained a mortgage in principle but not yet confirmed which lender to go with.

    As this is a property I would like to purchase I just want to make sure I fully understand the situation and any issues that may arise from it and in the future.

    Obviously I will talk to my broker regarding this but just seeing if anyone has had any experience with this situation or any mortgage brokers on here have.

    Thanks in advance for any help offered.
Page 1
    • davidmcn
    • By davidmcn 12th Mar 17, 9:48 AM
    • 5,386 Posts
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    davidmcn
    • #2
    • 12th Mar 17, 9:48 AM
    • #2
    • 12th Mar 17, 9:48 AM
    Chancel liabilities have nothing to do with your surveyor - speak to your solicitor about this. Not a problem to worry about though.
    • antrobus
    • By antrobus 12th Mar 17, 9:57 AM
    • 14,892 Posts
    • 21,095 Thanks
    antrobus
    • #3
    • 12th Mar 17, 9:57 AM
    • #3
    • 12th Mar 17, 9:57 AM
    FTB just had survey carried out on property and has indicated a possible liability due to property being located in a historical parish or tithe district containing a record of Chancel Liabilty, carried out by pinpoint.

    I am now slightly concerned now whether this will be an issue regarding mortgage or will they simply insist on me taking out an insurance to ensure covered liabilty.

    I am doing my mortgage through a broker and have attained a mortgage in principle but not yet confirmed which lender to go with.

    As this is a property I would like to purchase I just want to make sure I fully understand the situation and any issues that may arise from it and in the future.

    Obviously I will talk to my broker regarding this but just seeing if anyone has had any experience with this situation or any mortgage brokers on here have.

    Thanks in advance for any help offered.
    Originally posted by Ftb1984
    Google 'Chancel Liabilty'. You will find stuff like this;

    Chancel repair liability along with many other overriding interests will now have to be registered by midnight on 12 October 2013 or they will lose their automatic protection.

    But;

    A Church could still register a notice at any point up until a priority search is made just before completion. If this happens it will jeopardise the completion of the transaction and incur unrecoverable costs for the buyer such as legal and survey fees.

    I think the latter is what they mean by a "potential liability". You can buy insurance. I don't think it's that expensive.

    https://www.homewardlegal.co.uk/blog/chancel-repair-liability-still-worry-when-buying-home
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