Selling With Chancel Repair Liability

Chancel repair liability can make it harder to sell a home, but this guide shows how selling fast may still be feasible.

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Your top questions when selling a property with chancel repair liability

✅ What is chancel repair lability as applied to a property?

If you own a freehold or leasehold property in England or Wales, you might be subject to chancel repair liability which is a requirement that you contribute financially to the repair costs of a local church if the home is located within the parish. The property can be located many miles from the church and still be liable, as it does not have to situated adjacent to the church.

✅ Why can chancel repair liability make it harder to sell a home?

Some buyers that might be interested in purchasing your property could lose all interest in it once they discover that it has chancel repair liability. That’s because this liability can result in property owners having to pay significant costs for church repairs, with one notable court case in England ultimately leading to a homeowner having to pay almost £250,000 in costs.

✅ Are there any steps to avoid being subject to chancel repair liability?

Yes, thanks to a change in UK law, if you purchased your home at its full market price any time after October 13, 2013, and the property title lacks any notice from a church of a liability claim, there should be nothing you have to do or pay. If there is a valid liability climate, one sensible step to take can be getting an indemnity insurance policy that might cover the resulting costs. You should discuss this further with a professional.

✅ How can buyers find out if a property has chancel repair liability?

If someone is interested in possibly buying your home, they can conduct a search that should uncover whether a church has registered a chancel repair liability claim over the property. The distance the home is located from a church will not typically be enough to establish whether such liability exists, and that’s why a professional search remains the best option. Your professional advisor will tell you the necessary steps to take.

✅ What is the fastest way to sell a property with chancel repair liability?

Selling your home to a quick property buyer like LDN Properties can be the swiftest choice, because they can complete the entire process of purchasing your home within a few short weeks. Selling at an auction will take at least a few months to finalise, whereas selling on you own or trying to find a buyer through an estate agent can take more than a year in some situations.

✅ How do I know that fast home buyers can be trusted with buying my property?

Ask individual quick home buying companies whether they are registered with The Property Ombudsman (TPO), which is a third party organisation that publishes policies all members must follow that are designed to guard homeowners against scams in the industry. Be cautious of selling your home to a company that can’t prove it’s a TPO member, because it could be fraudulent.

✅ How much will I have to pay in fees to sell my home with chancel repair liability?

If you sell through an estate agent or auctioneer, you’ll have to pay commission charged often as a percentage of your property’s eventual sale price. But if you sell your home on your own or to a zero-fee quick property buyer then you won’t have to pay any commission.

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