Will my mortgage lender accept a personal search?
Most mortgage lenders now accept personal searches. If dealing with a new lender, it is advisable to confirm their policy before proceeding.
Who will perform the search?
Our searches are performed by trained and experienced staff.
What is the difference between a Personal Search and an official Local Authority Search?
The Local Authority Search is certified by the local Authority, and can include written answers to additional questions on the CON29 form. However, the information that Assured Property Searches supply are detailed and sufficient for most lenders and with the introduction of the Home Information Packs all our searches should be acceptable.
Do I Need a Plan?
If you have a plan, it is useful for us to have it. However, if you do not have a plan, don't worry this will not delay your search. All our search agents have sufficient local knowledge to locate most sites but in the event of an obscure site a plan may be requested.
The only time a plan will be requested before a search can be done, is if the property is a new development or is located in a very rural location.
How do I pay for my searches?
We offer account facilities for all our clients. If you do not require an account and wish to pay as you search we will invoice you when the search is complete.
If you are a new client and wish to submit your search request by email for the first time, this is not a problem. Once the request has been received we will contact you to confirm a few details and can arrange a payment facility that suits you best.
What do I do about non-participating Lenders?
At this time there are about half a dozen lenders who do not accept personal searches from any type of agency, they will only accept a search direct from the local council.
We hold a list of "Approved lenders" that are happy to accept personal searches from APS Ltd.
Very occasionally we do come across a lender that will not accept an agency search so the following is put into action.
As this falls to the responsibility of Assured Property Searches Ltd a refund is issued for the Agency search we have done for you. We then submit the (con29) search to the local council for and on behalf of the client. We will then chase this up if required. (Please note: when submitting a search to the local authority it will not contain the discount that we can offer, therefore we are guided by the local authorities pricing structure.)
