Santander raised enquiry before release the fund

Jackhome123

Hi all

My broker has set up the completion date this week and requested the fund release. The house is built in 2008. But we have received the enquiry from the Santander’s solicitor  as follows:

5.3 Please provide us with the NHBC documentation for the property to show that the Property was constructed with NHBC carrying out building control as stated by the vendor

5.4e) Are there any electrical power outlets or switches for the lighting in the conservatory

f) Is there heating in the conservatory and is it independent of the heating of the main building.

5.5. Is the Property now vacant

5.6 Please provide us with this year's service report for the boiler.

5.7 Please provide us with the NHBC documentation

5.9 Please can you confirm when the conservatory was built.

I’m wondering why lender enquired these basic information and what will happen if we can’t answer the question correctly. Thank you.

JMA74

None of this makes sense.  

Brokers dont set up completion
Brokers dont request funds release
Santanders solicitor is your solicitor as they work on behalf of both you and the lender

is this a remortgage or a purchase?  

Jackhome123

Sorry. It’s my solicitor set up completion and requested fund release.it’s for purchase. Thank you

JMA74

So since its a purchase, your solicitor is also Santanders solicitor.  So they are best placed to ask why they need to get these questions answered

These enquiries sound more like the type that a purchase solicitor would ask a selling solicitor.  

user1977

JMA74 said:

So since its a purchase, your solicitor is also Santanders solicitor.  So they are best placed to ask why they need to get these questions answered

These enquiries sound more like the type that a purchase solicitor would ask a selling solicitor.  

I would say it sounds more like Santander is separately represented here, rather than the OP's solicitor asking themselves new enquiries.

OP, as we know nothing about the property, you're better placed than us to tell us whether any of these questions sound problematic?

K_S

@jackhome123 What JMA said, it sounds like something the buyer's solicitor (usually also acting on behalf of the lender) would ask the vendor's solicitor.

You need to speak to your solicitor to understand what's happening.

Jackhome123 said:

Hi all

My broker has set up the completion date this week and requested the fund release. The house is built in 2008. But we have received the enquiry from the Santander’s solicitor  as follows:

5.3 Please provide us with the NHBC documentation for the property to show that the Property was constructed with NHBC carrying out building control as stated by the vendor

5.4e) Are there any electrical power outlets or switches for the lighting in the conservatory

f) Is there heating in the conservatory and is it independent of the heating of the main building.

5.5. Is the Property now vacant

5.6 Please provide us with this year's service report for the boiler.

5.7 Please provide us with the NHBC documentation

5.9 Please can you confirm when the conservatory was built.

I’m wondering why lender enquired these basic information and what will happen if we can’t answer the question correctly. Thank you.

ChemistDude

Jackhome123 said:

Hi all

My broker has set up the completion date this week and requested the fund release. The house is built in 2008. But we have received the enquiry from the Santander’s solicitor  as follows:

5.3 Please provide us with the NHBC documentation for the property to show that the Property was constructed with NHBC carrying out building control as stated by the vendor

5.4e) Are there any electrical power outlets or switches for the lighting in the conservatory

f) Is there heating in the conservatory and is it independent of the heating of the main building.

5.5. Is the Property now vacant

5.6 Please provide us with this year's service report for the boiler.

5.7 Please provide us with the NHBC documentation

5.9 Please can you confirm when the conservatory was built.

I’m wondering why lender enquired these basic information and what will happen if we can’t answer the question correctly. Thank you.

Looks like buyer questions. Just truthfully answer to the best of your knowledge. If the boiler hasn’t been serviced in the last year, then say so. We got asked a similar question in the past and all I said was that we’re happy to do one if the buyer will fund it. They stopped asking questions after that 🤣.

re: NHBC - they’re usually 10 years aren’t they? Might want to tell them those questions are irrelevant as the warranty has expired.

K_S

ChemistDude said:

Jackhome123 said:

Hi all

My broker has set up the completion date this week and requested the fund release. The house is built in 2008. But we have received the enquiry from the Santander’s solicitor  as follows:

5.3 Please provide us with the NHBC documentation for the property to show that the Property was constructed with NHBC carrying out building control as stated by the vendor

5.4e) Are there any electrical power outlets or switches for the lighting in the conservatory

f) Is there heating in the conservatory and is it independent of the heating of the main building.

5.5. Is the Property now vacant

5.6 Please provide us with this year's service report for the boiler.

5.7 Please provide us with the NHBC documentation

5.9 Please can you confirm when the conservatory was built.

I’m wondering why lender enquired these basic information and what will happen if we can’t answer the question correctly. Thank you.

Looks like buyer questions. Just truthfully answer to the best of your knowledge. If the boiler hasn’t been serviced in the last year, then say so. We got asked a similar question in the past and all I said was that we’re happy to do one if the buyer will fund it. They stopped asking questions after that 🤣.

re: NHBC - they’re usually 10 years aren’t they? Might want to tell them those questions are irrelevant as the warranty has expired.

@chemistdude It looks to me like the OP is the buyer not the vendor

Jackhome123 said:

Sorry. It’s my solicitor set up completion and requested fund release.it’s for purchase. Thank you

housebuyer143

Sounds like they are trying to confirm if you convervstory requires building sign off or not. 
Normally these things would be answered before completion is set...

chanz4

ChemistDude said:

Jackhome123 said:

Hi all

My broker has set up the completion date this week and requested the fund release. The house is built in 2008. But we have received the enquiry from the Santander’s solicitor  as follows:

5.3 Please provide us with the NHBC documentation for the property to show that the Property was constructed with NHBC carrying out building control as stated by the vendor

5.4e) Are there any electrical power outlets or switches for the lighting in the conservatory

f) Is there heating in the conservatory and is it independent of the heating of the main building.

5.5. Is the Property now vacant

5.6 Please provide us with this year's service report for the boiler.

5.7 Please provide us with the NHBC documentation

5.9 Please can you confirm when the conservatory was built.

I’m wondering why lender enquired these basic information and what will happen if we can’t answer the question correctly. Thank you.

Looks like buyer questions. Just truthfully answer to the best of your knowledge. If the boiler hasn’t been serviced in the last year, then say so. We got asked a similar question in the past and all I said was that we’re happy to do one if the buyer will fund it. They stopped asking questions after that 🤣.

re: NHBC - they’re usually 10 years aren’t they? Might want to tell them those questions are irrelevant as the warranty has expired.

yup 10 years

Jackhome123

Thank you for all response. My solicitor just received final enquiry as below:
Lender solicitor is asking about seller to contact NHBC and obtain duplicate of the final certificate or an email confirming that they had responsibility for building control on the development.  
However, Seller’s doesn’t have NHBC final certificate as they didn’t get it from previous owner when they bought the house. So any one know how we can get the NHBC certificate. Thank you.