| Water Search - Build over Issue (Extension) - Indemnity Sought
| The draft wording concerns the construction built over a public sewer without evidence of required consent, creating legal and practical risks. It also advises considering indemnity insurance to protect against potential enforcement, access, or damage issues.
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| Retirement Interest Only Mortgage
| Proposed draft wording explains that the loan is interest-only until certain “Life Events,” after which the full amount is repaid usually from selling the property, with any shortfall covered by the borrower or their estate.
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| Canal in close proximity
| The wording here advises that while the sellers report no flooding history, no independent checks have been made, and the buyer should investigate flood risk and insurance availability before proceeding.
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| Planning Permission and Building Regulations – Historic Consents
| Explanation that covers situations where planning and building approvals relate to work over 20 years old, now immune from enforcement, so no further action is being taken—though the buyer may investigate further if they wish. Contains important caveats at end.
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| Introduction to Local Searches Report
| Important introductory wording that contains certain caveats that should exist elsewhere in a firm’s conveyancing documentation with similar wording included in Terms and Conditions issues at the outset. Special mention made of climate change.
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