Graham Bowcock

Registered with
Saturday 22nd October 2016

Latest Comments

Total Number of Property118 Comments: 181

Graham Bowcock

14:10 PM, 6th November 2021, About 7 months ago

Access for roof space conversion?

Reply to the comment left by Paul Thomas at 06/11/2021 - 13:42
Ha ha. Quite agree. Sounds like the OP has got into something without thinking it through. I have to say that I love it, though - as an Expert Witness on property matters, others' mistakes are my bread and butter work. Most would be surprised at how many solicitors make mistakes and failing to secure access is a very common one.... Read More

Graham Bowcock

11:46 AM, 6th November 2021, About 7 months ago

Access for roof space conversion?

Reply to the comment left by Paul Thomas at 06/11/2021 - 08:26
The issue here is that the ground around the property will more than likely be vested in the freeholder, so their consent would be required. To complicate it, the leaseholders would probably have rights over the grounds under their leases so the freeholder cannot unilaterally grant consent to somebody else which interferes with the rights of the leaseholders.... Read More

Graham Bowcock

10:52 AM, 1st November 2021, About 7 months ago

Access for roof space conversion?

If I was the owner of one of the flats where you need access (or their adviser), the answer would be a resounding no. Why would they do it? If they did agree then you'd be into issues of formal contracts, bonds, payments, etc.. I can't see that anyone would simply provide access to you. If they are actually living in the flat, or renting it out, the disruption could be immense.... Read More

Graham Bowcock

9:57 AM, 29th October 2021, About 7 months ago

Misleading Right Move Adverts - What can we do?

Hi Neil

I have dealt with a few of these, often the buyers have been older people using cash; my involvement usually occurs when they die and try to leave them in their will (my advice generally being to disclaim).

The pricing is key as the buyers don't get a mortgage, so due diligence is not very strong. Sometimes they even use the vendor's solicitor "to cut down on costs".

I have seen parcels sold which have absolutely no access and no way of getting utilities. It's a total sham, to be honest. The only way they would work is if all the owners jointly acted to promote the site and work as one - but by the time they realise that the horse has bolted and isn't coming back.

I suspect that the agent feels they are legitimate by saying "subject to consent", which is technically correct. It is possible to get consent on green belt land, but not without a significant investment and many years of work. It's important that advisers fully understand the planning policy and look for the chink in the armour, but it's certainly not a job for the amateur.

We just need to keep banging the drum that these things don't work.... Read More

Graham Bowcock

11:06 AM, 16th October 2021, About 7 months ago

Lender says letting out as licenced HMO breaches terms and conditions?

Whether licensing applies or not you have an HMO and should have known it. It's the same issue for the tenancy - doesn't matter is all on one agreement or not. The issue is number of unrelated people in the property.

Ideally the lender's valuer should have identified it when doing the valuation, but it seems they may not have done so the lender has found out after the event.

The lender is entitled to understand their security; if they choose not to lend in certain markets then that's their prerogative and they price accordingly.... Read More