Buying Property In Cash, Do I Need A Bankruptcy Search

I was made bankrupt 7 years ago, lived out of the uk but I’ve been sold a house which I can buy cash, do I need the searches

45 Answers

I assume you mean searches such as the local, drainage & environment search. These are optional if you are a cash purchaser but strongly recommended because they tell you important things about the property, from whether it has permission to exist and/or any contamination to water connections & subsidence risk in the area. I strongly advise you discuss with your conveyancer who will be able to explain the merits of the searches in greater detail.

If you mean a bankruptcy search (K17 etc) then no you don't need that if you are a cash purchaser.

www.notaryexpress.co.uk

Sorry I did mean the bankruptcy search, my fault, I didn’t explain myself properly!
Thank you for your reply

Hello, I have the same issue that I was made bankrupt 5 years ago. I am debt-free and am now able to buy a property cash (no mortgage). Will my conveyancing solicitor or the sellers have a problem processing things if they see the past bankrupcy (discharges 4 years ago)?

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