Q: Hello

Im good in the process of buying this house. It seems that the suppliers vacant.

It mortgagees in possession. The only documents their lawyer has a copy of the lease. They refuse to answer any questions or to provide other documents. Nice!

So not only the house does not guarantee the NHBC Corgi no certificates and no building or fensa Regs sign off certificate. I suspect that these documents are not just a question of how can I keep them there.

The blurb clearly there is a broker NHBC guarantee.

I can not find out who built the house.

I have a full structural survey. Full of disclaimers, but with a long list of small repairs.

Has anyone else been in a similar position? How did you sort out the lack of NHBC guarantee to get a mortgage?

What problems will this cause when I come?

Does know why anyone selling a nearly new townhouse to be sold leasehold rather than freehold?

Thanks advance to anyone who responds. I hope that someone there by me in the right and may direction.

Regards

guy

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A:a leasehold house a just a scam to get more money out of you. there is no other reason for it.

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A:do not buy a house with no completion certificate- you will find it almost impossible to sell

A completion certificate is issued by the local authority when the building work is finished to confirm that the work complies with building regs. The builder has to pay about ￡25 to get the certificate issued.

now- it could be that they forgot- or it could be the property hasnt met building regs- I wouldnt take the risk.

But you know the previous people had a mortgage, or they wouldn't have been reposessed. So you know that there was a certificate or they wouldn't have been able to get their mortgage. So you know that there is a certificate, it just needs to be found.

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A:If it is a small development by a small builder it may not have an NHBRC certificate, not all builders are registered. It might have an architect's certificate. But I too would have thought it should have a completion certificate.

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A:do not buy a house with no completion certificate- you will find it almost impossible to sell

A completion certificate is issued by the local authority when the building work is finished to confirm that the work complies with building regs. The builder has to pay about £25 to get the certificate issued.

now- it could be that they forgot- or it could be the property hasnt met building regs- I wouldnt take the risk.

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A:When you call NHBC, they will confirm that there is a policy. We lost the certificate and had to contact them for my MIL. It was very simple for them to type in the postcode and find the property.

Building control say no completion certificate was issued. However they tell me you do not need to use the local authority to do your building control.

I think I remember somebody telling me something about it actually being NHBC that sign off. The certificate/policy is issued only if the builder's methods comply. I might be talking rubbish though

They have refused (in writing) but everyone (Estate Agent/ Solicitors ) keeps telling me the same as you have. I just don't believe it. Before the mortgage company loaned the money on a new house they would have collated all sorts of information on the property and the purchaser.

If what you say were true then house purchases would be much faster. Surveryor rocks up values house. Quick credit check on buyer. Mortgage issued. No paperwork. Everyone down the pub to celebrate.

The buyer's solicitor acts on behalf of the buyer's mortgage company as well as their client. They make it the solicitors responsibilty to check that the information you include in your application form with regard to tenure etc. is correct rather than duplicating the conveyancing work the buyer is already paying their solicitor to do.

If what I'm saying weren't true, the buying process would in fact be longer!

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A:Thanks for replying

guy

Will ring NHBC on Monday when they open.

Have read NHBC website the best you can do is search to see if the builder is registered, not the house.
I have searched using the name of the applicant on the original planning application form. He is not registered.

Building control say no completion certificate was issued. However they tell me you do not need to use the local authority to do your building control.

"It's not that the mortgagees refuse to answer any questions, it's just that they don't have in depth knowledge of the house at all. They probably know as much as you do"

They have refused (in writing) but everyone (Estate Agent/ Solicitors ) keeps telling me the same as you have. I just don't believe it. Before the mortgage company loaned the money on a new house they would have collated all sorts of information on the property and the purchaser.

If what you say were true then house purchases would be much faster. Surveryor rocks up values house. Quick credit check on buyer. Mortgage issued. No paperwork. Everyone down the pub to celebrate. I would put one of those smiley things in here but I can't get it to work.

Dora

Already tried the neighbours. The development is a small terrace of 3. Both the others are tenanted. So easy to let then if I can't sell it later.

Regards

guy

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A:Hi there apply for another NHBC certificate to be issued, it must have one if it is only two years old – takes about 2 weeks to get it and costs around £30. Also ask sellers for them to pay for a Indemnity Policy to cover the lack of Fensa and Corgi documents. The Title Information Document from the Land Registry will maybe should show who built the house. To be honest these are things your solicitor should sort and you shouldn't be worrying your self, your paying him to act for you! All the best for the future!

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A:Loads of new builds in our area (including our detached) are leasehold.

Regarding the builder – could you not ask a neighbour?

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A:You can call NHBC and confirm that there is a policy.

Buiding Control keep records, but I'm not sure that bigger developments work in the same way as individual builds otherwise they'd have to employ someone to be on site nearly all the time if they had individual sign off. You can call Building Control at the local council and ask whether the house would have certificates. I have bought a two year old Laing new build in the past and I don't remember there being any certificates.

It's not that the mortgagees refuse to answer any questions, it's just that they don't have in depth knowledge of the house at all. They probably know as much as you do.

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