Flood Risk: Selling or Remortgaging
Is flood risk making your property difficult to sell or remortgage? Questions about flood searches, previous flooding, buildings insurance and mortgage lender requirements can become important when a buyer considers your property.
Where flood risk has emerged since you bought, your original searches, seller’s replies, report on title and insurance records may help establish what was known and what advice you received. Historical lender instructions may also help explain the requirements applicable to your original mortgage.
Flood risk?
Find out what you were told when you bought
If the property was at risk of flooding when you purchased, your original conveyancing file, the search results and your lender’s requirements at the time could show whether the risk should have been picked up and what advice you received.
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Climate Risk Is Holding Up Your House Sale: What Were You Told When You Bought?
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New-Build Flood Risk: The Insurance Question Conveyancers Cannot Ignore
New-build flood risk raises a question that buyers should consider before committing: can the property be insured now, and what might changing flood risk mean when they later sell or remortgage? On 29 September 2026, the Guardian reported Aviva’s warning that new English homes in flood-risk areas could become uninsurable. For conveyancers, this is a…