David Inch

Director
Office:
  • Banbury
Phone:
01295 204015
LinkedIn:
LinkedIn
Specialisms:
  • Residential Property
  • Landlord and Tenant
  • David trained as an Articled Clerk in Darlington, Co Durham.
  • He joined Shoosmiths as a newly qualified solicitor in 1983, staying with them until 2002.
  • David has been a ​Partner in Spratt Endicott since it was formed in 2002. He is the Head of our Residential Property department, and is greatly experienced in a wide range of conveyancing matters.

Work highlights:

  • David’s clients range from Housing Associations, mortgage lenders, independent builders and developers through to the many thousands of individuals he has acted for over the years
  • His experience and expertise covers all aspects of residential property including:
    • Estate development
    • Repossession sales
    • Landlord and Tenant legislation
    • Shared ownership schemes

Professional memberships, publications and interests:

  • David enjoys playing football, cycling, and other sport. He also enjoys the countryside, travelling and music.

 

Case Studies

  • Shared Ownership
    I have developed an expertise in shared ownership leases.  They are becoming an increasingly important part of conveyancing – particularly for first time buyers hoping to get onto the property ladder for the first time.



    Over a period of several months I developed a good working relationship with the Housing Association’s solicitors.  I was encouraged by them to apply to the Housing Association to have my firm added to their panel of preferred solicitors.  I made the application and was delighted when they agreed to add my firm to their panel.

    The benefit of being so appointed became very apparent following the recent launch of a new site of ten units that the Housing Association were about to offer to prospective purchasers.  

    Before the launch I asked to review the contract documentation for the site.  All of my legal enquiries relating to the site were answered, and my amendments to the contract and lease documents were approved, before the launched.

    Although the site was approximately forty miles from Banbury I visited it to meet the Housing Association’s sales representative and agreed a scale of legal costs for their prospective purchasers.

    The launch weekend was very successful and I took instructions from six prospective purchasers to do their conveyancing.

    Having previously approved the documentation I was able to deal with the conveyancing aspects for all six purchasers very quickly and all were very pleased to move into their new homes within a month of instructing me.

    The Housing Association was equally pleased as all of the purchases were completed before their year end, which was important to them for funding reasons.

    I have introduced six new clients to the firm with every expectation that further work will derive from them over the forthcoming years.
     
  • Complex Purchase
    I was recently instructed by a couple who wanted to purchase a buy-to-let property to rent out.  They had already found a property that they wished to purchase, had lined up tenants to let the same and wanted to proceed quickly.

    I always make a point of trying to find out as much information as possible about the transaction at the outset, which proved very useful in this instance.  

    I was able to discover that my clients were remortgaging their own property to raise the deposit needed to purchase the buy-to-let property.

    As a consequence, I was able to conduct both transactions simultaneously, to the obvious benefit of my clients as they were anxious to proceed quickly.

    The purchase proved to be complicated.  Whilst my clients believed that they were purchasing a freehold property from a mortgagee in possession it transpired that all the mortgagee in possession was entitled to sell was the leasehold interest, as their former borrower had owned the property on a Shared Ownership basis.  In such cases the freehold interest is always retained by the Housing Association.

    I persuaded the seller’s solicitors to action the staircasing provisions under the provisions of the Shared Ownership Lease. The Housing Association then performed its own valuation and accepted that the price being paid by my clients reflected the true market value of the property 

    I co-ordinated the efforts of both the solicitors for the Housing Association and the mortgagee in possession to achieve a simultaneous purchase of both the freehold and leasehold interests, by my clients, and they have subsequently been registered as the freehold owners of the property.

    Despite being somewhat complicated from a conveyancing perspective I was able to complete both my clients remortgage and their purchase within a month of obtaining instructions, and without the clients’ losing their prospective tenants. 
     
  • Estate Development
    I recently acted for a property developer who had bought a plot of land with the benefit of Outline Planning Permission for three houses.  After checking the boundaries as per the title deeds, and the site itself, it became apparent that they did not match and the discrepancy needed to be rectified before completion could take place.

    It also became apparent from the physical inspection of the site that a surface water drain serving the owner of the plot of land adjacent to the development site, and who had sold the site originally, ran under the development site but no right had been reserved in her favour to formalise her continued right to use the same.

    My developer client accepted my suggestion that the neighbour be offered a Deed of Easement in respect of the surface water drainage in return for her assistance in preparing a definitive plan of the site, and the plan was prepared quickly.

    Initially, the Land Registry refused to accept that the title boundaries were wrong but on my insistence the site was surveyed by an Ordnance Survey Surveyor who concurred with my view, and the title plan was updated accordingly.

    The terms of the Deed of Easement were quickly agreed and executed by both parties.

    My client was pleased that the cause of potential delays in its sale of the three properties had been rectified before building works began.  The development was very successful and all three properties quickly sold at list price, despite the current state of the housing market.

    By resolving the problem that I had identified before the development started my client was able to avoid delays in its prospective sales and was able to make huge savings on the interest that it would otherwise have had to pay to its bank
     

 

Testimonials

  • "My husband and I needed a legal firm to handle our land purchase and new build contract. Spratt Endicott gave us an excellent lawyer in David Inch and he handled all of our transactions very smoothly and professionally. Most of the communication was via email and telephone. Our calls were always answered promptly and our queries dealt with. The communication throughout was excellent including online updates so that I could track progress myself. I wouldn't hesitate to recommend this firm. I also found their fees reasonable too."

    Mr & Mrs S
    Broadway, Worcestershire
  • "We always rely totally on Spratt Endicott for all our legal affairs and for guiding us through the legal dangers and threats that exist in all property transactions. Excellent client care and excellent knowledge and efficiency combine to make us feel more safe and confident in our activities. Although we are a very small client we always feel that our affairs are important and that we are assured of the very best advice and service possible. More than that, it is always a great pleasure dealing with them!"

    Mr & Mrs Silman
    Westbury, Wiltshire
  • "Making a stressful transaction a seamless progress. Professional, prompt service with excellent value for money and would not hesitate in recommending, I deal with many professionals from different backgrounds but have to say the service from Lynn and David."

    Mr & Mrs Hayward
    Bourton-on-the Water, Gloucester

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