What's the difference between official and personal local searches?
In the past, local authority searches were known as either personal or official. Today, personal searches are called regulated searches, while official searches are referred to as council searches.
For an official/council search, your forms are sent directly to the local authority. Council staff from the Local Land Charges Register conduct the search, which is then signed and stamped by a council officer and returned to your conveyancer.
On the other hand, personal/regulated local authority searches are done by an external agency which isn’t affiliated with the council. These searches are often quicker and cheaper than official ones and come with accuracy insurance and liability coverage for any errors.
It’s worth noting that some local authorities prioritise council conducted searches over personal ones. Therefore, it’s a good idea to call the council in the area where you're buying to check the wait times for both types of searches.
However, it is normally the mortgage lender’s requirements that will dictate whether a council or regulated personal search is used. Your conveyancer will check the UK Finance Handbook to determine which searches your lender accepts and ensure the accuracy of the search.
If you’re buying your home without a mortgage, searches aren’t compulsory. However, your conveyancing solicitor is likely to recommend that you have at least a local authority search carried out.