Can I use your services to recommend a Conveyancing solicitor in Harold Park even if I’m not buying or selling a house, for example where I want to acquire an office in Harold Park with a mortgage from Birmingham Midshires?
The service is primarily there to help choose domestic conveyancing solicitors in Harold Park but we have set out at the bottom of this page some Harold Park commercial conveyancing firms. You should make contact with the firm directly to check if they can also act for Birmingham Midshires
I am buying a victorian detached house in Harold Park. We would like to an extension at the rear at the property.Will legal work on the property include enquiries to determine if these alterations were previously refused?
Your solicitor will review the registered title as conveyancing in Harold Park can occasionally reveal restrictions in the title deeds which prohibit categories of works or require the permission of another owner. Some additions call for local authority planning consent and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
I happen to be the only beneficiary of my late mum's estate with all property in now in my sole name, including the house in Harold Park. The Harold Park property was put into my name in March. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership may be considered the same way as if I'd bought the property in March. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be affected by that. How sensible a view mortgage companies take of it, depend on the lender as this requirement is primarily there to capture subsales or the wholesaling and assigning of property.
TSB have agreed my mortgage in principle, my bid on a apartment in Harold Park has been accepted, what happens next?
Your estate agent will want to know who your solicitors are (ensure that the conveyancing practitioners are on the lender’s approved list). Contact TSB or your financial adviser and finish off any appropriate paperwork. TSB will appoint a valuer who will get in contact with the selling agent or owners to book a time for the valuation to occur. Once carried out (assuming no problems) it takes about a week for the mortgage offer to be issued. TSB will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Harold Park.
Me and my brother own a semi-detached Victorian property in Harold Park. Conveyancing practitioner acted for me and HSBC Bank. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Harold Park and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with the conveyancing practitioner who conducted the conveyancing.
I am looking for a flat up to £195,000 and found one near me in Harold Park I like with amenity areas and transport links in the vicinity, however it's only got 61 remaining years left on the lease. I can't really find anything else in Harold Park suitable, so just wondered if I would be making a mistake buying a short lease?
If you require a home loan the shortness of the lease may be a potential deal breaker. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of 2 years you may ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer about this matter.
When it comes to my conveyancing in Harold Park should I be paying VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Harold Park conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the lawyer's time in submitting the funds this way.