Kate Mellor

Registered with Property118.com
Friday 27th November 2015


Trading Status

Insures properties through a broker recommended by Property118

Latest Comments

Total Number of Property118 Comments: 261

Kate Mellor

11:30 AM, 15th November 2018
About 4 days ago

Millennials stumble on the Property Ladder

The more the media reinforces the “impossibility” of young people affording a home of their own the more it becomes a self fulfilling prophecy! When you raise your children you teach them that they can achieve anything they set their mind on if they work hard for it and plan out their goals in stages. I think this negativity just gives people an excuse not to try. Their failure is a forgone conclusion and there is nothing they can do about it! (What bollocks!!)
When I was young we didn’t expect to start a family or buy luxuries until we’d already saved a deposit and owned a home. Sadly if you have 5 kids and are paying rent plus all the bills that go along with it you make the job that much harder for yourself, but that’s a choice. If it means enough to you to own your own home then you make it a priority. Everything non-essential gets trimmed back, you house-share or live in a cheaper area, or stay with mum & dad while you work hard and get the deposit together.... Read More

Kate Mellor

13:44 PM, 1st November 2018
About 3 weeks ago

Rights of access issues pre-completion?

There are four courses of action I can think of. The first is for the vendor to request the file from their conveyancer from 2014 and find out whether there is an existing indemnity policy.
The second would be to check whether it is too late to take out a policy yourself.
The third is to request permission from the neighbour to grant access on foot across their driveway (I’m assuming it is a pedestrian gate, rather than vehicular). It may be that if they are concerned about creating a permanent right of way, they would agree to an annual “peppercorn” charge for which you would have access through your gate as this wouldn’t create a permanent legal right of way.
And finally the fourth option may be to have the vendor remove the gate so that the access becomes a moot point. No gate - no access required. This supposes that the access to the garage from the rear garden is not essential. You could always reinstate the gate at a later date if desired.

The problem I’ve come across in recent years is that lenders don’t have in-house legal teams. Unlike the large High Street lenders who do. They rely solely on advice from solicitors who are conveyancing for the buyer or owner and also representing the bank and as such these solicitors will NOT take a common sense view on things because they’ll be risking liability to the banks. An in-house legal team actually work for the bank and they WILL take a view on niggly little things which don’t pose any real threat to the banks security.

Good luck, I hope you can resolve this. We had to get the farmer who owns the bottom of our access road to sign a document giving us access to our house when we bought it as there wasn’t a right of way in writing (despite it being historically used since the property was built over 100 years ago & being the ONLY access road) fortunately he didn’t cause us any problems and was happy to sign it.

.... Read More

Kate Mellor

19:58 PM, 4th October 2018
About 2 months ago

DIY restriction removal?

Reply to the comment left by Ian Narbeth at 04/10/2018 - 10:08
Wow, 12 years ago. 2006 seems like yesterday. I didn’t spot the length of time. In that case the mistake is probably out of time to be rectified by the original firm.

Had it been more recently you would have a very good chance of getting it resolved. Even if the original firm had gone out of business the firm that has taken over their clients also takes on their liabilities. I’ve had to go back to solicitors twice to correct mistakes after only two or three years and one of those firms was no longer trading but they sorted out the error post haste in both cases. But, as you rightly say there’s a BIG difference legally between three years and 12 years! Saying that, if it were me and I had all the documentation/emails to prove that it should have been done I’d at least check if they were still around and send them an email along with all the proof. They may well resolve it as a gesture of good will.

I know doing it yourself may be simple enough if you know how, but the website doesn’t tell you everything you need to know in my experience.

Also what is the restriction for? A lot of restrictions can’t be removed by the vendor. A couple of years ago I had to hunt down someone who twenty years ago had an agreement to lease registered on a commercial property of mine and the lender would not complete on the remortgage until it had been removed. Land registry wouldn’t remove it on my solicitors application. This restriction was from a previous owners time. I had to physically hunt them down on their doorstep and ask them to sign the forms to remove the restriction. Luckily they were company directors so their details were a matter of public record. A lenders restriction has to be signed by the lender to have it removed. So, not always as easy as it may seem.... Read More

Kate Mellor

22:15 PM, 3rd October 2018
About 2 months ago

DIY restriction removal?

You’ve already paid to have this charge removed. You don’t have to pay again. It’s not uncommon for solicitors/conveyancers to make these types of errors. Contact the solicitor who was supposed to do it and send them the transaction details. They probably have the completed document on file that was never lodged. They will usually do it for you quite quickly, especially if you explain the situation is time sensitive. They don’t want a claim against their liability insurance for your losses if your sale falls through.... Read More

Kate Mellor

23:49 PM, 27th September 2018
About 2 months ago

Advice needed on re-finance of inherited properties?

You don’t mention what the current loan to value is on the properties as this will have a bearing.
If you can get tenants into the properties paying rent, not only will it ease your cash flow issues, but it shows a proven income stream to a potential lender. Can you negotiate a year to gain the experience before you have to redeem the existing borrowing? I’m guessing not, but I’ve no experience in deceased estates, so I’m unsure if lenders are a little more flexible...... Read More