We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
FTB advice - Environmental Protection/Chancel Check
connors07
Posts: 123 Forumite
Hi everyone,
I was looking for some advice if possible. I am a FTB and in the process of buying a property - I've just had the following sent to me.
Environmental Protection Legislation:
Environment Search only: £55
Land Insurance only: £50
Both: £83
Require none of the above: £0
What do most people have done? What is the search going to find exactly when so many people live in this area? Or have I got the wrong idea?
Also got asked whether to get a Chancel Check Report which is only £24.
Has anyone ever been tripped up by any of these?
Any advice would be much appreciated. I'd probably go for the lot to cover the bases, it's not too much money considering what is going to be spent shortly and for the next 30+ years.
I was looking for some advice if possible. I am a FTB and in the process of buying a property - I've just had the following sent to me.
Environmental Protection Legislation:
Environment Search only: £55
Land Insurance only: £50
Both: £83
Require none of the above: £0
What do most people have done? What is the search going to find exactly when so many people live in this area? Or have I got the wrong idea?
Also got asked whether to get a Chancel Check Report which is only £24.
Has anyone ever been tripped up by any of these?
Any advice would be much appreciated. I'd probably go for the lot to cover the bases, it's not too much money considering what is going to be spent shortly and for the next 30+ years.
0
Comments
-
An environmental report normally covers contaminated land, flooding, radon gas, ground stability, overhead power lines/mobile phone masts, proposed wind/solar farms etc. I'm not sure what "land insurance" would cover you for.
Chancel liability is one of those annoying things which hasn't quite gone away yet so if the property hasn't been sold since October 2013 and there is a church locally a search may be advisable to be on the safe side (though sometimes just getting indemnity insurance with no search is cheaper).
Your conveyancer should be explaining what all the searches are and which (if any) are likely to be required in your particular case, not just giving you a list of names and asking you to pick with no further explanation. Ask them to explain further, make them earn the fees you're paying them.My credit card: £148.07/£694.91 (21%)
Partner's credit card: £0/£602.03
Loan from partner's mum: £800/£2,400 (33%)
Loan from partner's dad: £10,000/£10,000 (100%)
Personal loan: £3,000/£3,000 (100%)0 -
with the Chancel search for £24 skip that and just take out the Chancel insurance as will be about the same price as the search cost is anyway.
We recently moved very close to a 700 year old Church and did just that...0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards