Buying repossession, no building reg consents an I being advised correctly ?

discodiva_2

Hi All

I would much appreciate any thoughts on the advice I have been given by my conveyancer.

I am purchasing a repossession which already has a HIP report done.
On the the search report / local search / planning + buildings regulations all the answers are no.

After having a Level 2 survey done on the property the matters for my conveyancer were : confirmation that necessary permissions were obtained for removal of hall partition, adequate certificates for replacement gas central heating boiler.
As it's a repo the mortgagee in possession has no knowledge of certificates, and have refused to obtain a gas register safety check and a building re regularisation certificate.
Therefore i asked my conveyancer about me purchasing indemity insurance, he said because nobody knows if the removed wall was a structural wall then I wouldn't be able to purchase indemity insurance as it doesn't cover structural walls.
I told him that I didn't believe the removed wall in question was a structural wall, so he asked for a builders report on the removed wall as he couldn't complete my mortgage transaction without it.
This is in process and a builder has confirmed that the removed wall wasn't structural so therefore it didn't need building reg cert. / approval.
he also wants me to obtain a gas safety check of the boiler and gas central heating system, however I have phoned British Gas and as the gas meter has been completely removed from the property there is actually no gas supply to the property therefore with no gas the boiler can't be checked ! Will this stop me from obtaining the mortgage on the property ?
All advice welcome and thanks in advance.

DVardysShadow

If there is no gas to the premises at present, then you don't need a gas cert. You only need to bother about the gas cert when you get the supply reconnected. Of course you could always fall foul of a 'computer says no' attitude from the lender's call centre.

timmyt

discodiva wrote: »

Hi All

I would much appreciate any thoughts on the advice I have been given by my conveyancer.

I am purchasing a repossession which already has a HIP report done.
On the the search report / local search / planning + buildings regulations all the answers are no.

After having a Level 2 survey done on the property the matters for my conveyancer were : confirmation that necessary permissions were obtained for removal of hall partition, adequate certificates for replacement gas central heating boiler.
As it's a repo the mortgagee in possession has no knowledge of certificates, and have refused to obtain a gas register safety check and a building re regularisation certificate.
Therefore i asked my conveyancer about me purchasing indemity insurance, he said because nobody knows if the removed wall was a structural wall then I wouldn't be able to purchase indemity insurance as it doesn't cover structural walls. fire your lawyer(bet for your conveyancing fee you don't even have a solicitor), he is an idiot and wrong. that is the very point of such insurances
I told him that I didn't believe the removed wall in question was a structural wall, so he asked for a builders report on the removed wall as he couldn't complete my mortgage transaction without it. what a moron
This is in process and a builder has confirmed that the removed wall wasn't structural so therefore it didn't need building reg cert. / approval. well that is lucky as you save a £40 buildings insurance premium and paid how much for the builders report!!!!!
he also wants me to obtain a gas safety check of the boiler and gas central heating system, that £40 insurace policy would have covered any breach of regulation there too! however I have phoned British Gas and as the gas meter has been completely removed from the property there is actually no gas supply to the property therefore with no gas the boiler can't be checked ! Will this stop me from obtaining the mortgage on the property ?
All advice welcome and thanks in advance.

the only thing stopping you is a moron for a professional - and I use that is a humouring way for whoever they are - adviser. fire them, do it tomorrow for goodness sake. name and shame them on your next post too, so we can all avoid them