My fiance and I are intent on acquiring property in Epworth. My lawyer has never been on on the lender conveyancing list. Is it possible for me to retain my Epworth conveyancing solicitor even though they are excluded from the mortgage company panel?

One will need to instruct a solicitor to deal with the legal work required if you require a loan to buy your home. They will carry out all the relevant legal checks on the property, make sure that you’re registered as proprietor and ensure that all the required mortgage documentation is dealt with. One could instruct a Epworth conveyancing practitioner of your choice. However, if the conveyancing practitioner selected is not a member of the mortgage company approved list supplemental fees will be levied as separate legal representation will be need by the lender. Bank panel applications can be submitted, so if your conveyancer has not previously sought membership they can do so.

Can the conveyancing solicitors via your comparison service execute conveyancing in Epworth by way of an attended exchange?

We do have a number of conveyancing specialists carrying out one day exchanges. You should e-mail us to receive a fee calculation and details as to dates.

My aunt passed away 10 months ago and as sole heir and executor I was left the property in Epworth. The house had a relatively small loan remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Bank of Ireland, pay off the mortgage. Is this allowed?

If you intend to refinance then Bank of Ireland will require that you use a conveyancer on the Bank of Ireland conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Bank of Ireland conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Bank of Ireland mortgage is registered as a charge at the Land Registry.

A relative recommended that if I am purchasing in Epworth I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

A search of this type is occasionally included in the estimate for your Epworth conveyancing searches. It is a large document of about 40 pages, listing and setting out significant information about Epworth around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Epworth Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Epworth Education with plans and statistics, Local Amenities and other useful information about Epworth.

Having checked my lease I have discovered that there are only 72 years remaining on my flat in Epworth. I now want to extend my lease but my landlord is missing. What options are available to me?

On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will mean that your lease can be lengthened by the magistrate. However, you will be required to prove that you or your lawyers have used your best endeavours to locate the lessor. On the whole a specialist should be helpful to conduct investigations and prepare an expert document to be accepted by the court as proof that the freeholder can not be located. It is wise to seek advice from a solicitor in relation to proving the landlord’s disappearance and the application to the County Court overseeing Epworth.

Epworth Leasehold Conveyancing - Examples of Questions you should ask before Purchasing

The prefered form of lease structure is a share of the freehold. In this arrangement the lessees enjoy being in charge if their destiny and notwithstanding that a managing agent is often employed if the building is bigger than a house conversion, the managing agent acts for the leaseholders themselves. For many Epworth leaseholds the outlay for major works tend not to be incorporated into the service charges, albeit that there some managing agents in Epworth require leaseholders to pay into a sinking fund created for the specific intention of establishing a fund for larger repairs or maintenance.