I was notified yesterday by my IFA that my Harlesden lawyer is not on the bank Conveyancing panel. What can I do to be certain whether this is indeed the case?
The best course of action for you to take is to call your Harlesden lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. Where they are not on the panel they may recommend you to a Harlesden conveyancing firm that is on the approved list of lawyers for your mortgage company.
I own a freehold premises in Harlesden yet charged rent, why is this and what is this?
It is rare for properties in Harlesden and has limited impact for conveyancing in Harlesden but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges post 1977.
Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.
A relative suggested that where I am purchasing in Harlesden I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Harlesden conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Harlesden around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Harlesden Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful information regarding Harlesden.
I opted to have a survey done on a property in Harlesden before instructing solicitors. I have been told that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies tend refuse to issue a loan on this type of premises.
It depends who your proposed lender is. HSBC has different instructions for example to Birmingham Midshires. If you call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Harlesden. Conveyancing may be slightly more expensive based on your lender's requirements.
My brother has recommend that I use his conveyancing solicitors in Harlesden. Should I find my own conveyancer?
Much as we are happy to recommend a Harlesden conveyancing lawyer the ideal way to select a conveyancing practitioner is to get feedback from friends or relatives who have actually used the solicitor that you are are thinking of instructing.