I have given 8 weeks notice to my current landlord and must vacate my rented flat in Seaton by 28/6/2024. Conveyancing on my purchase is underway. How realistic is it to complete in 4 weeks as don't want to have to find temporary accommodation?

Generally one should not provide notice on a rental until you have exchanged. Assuming that you have not already done so, contact to your solicitor and ask them to they cajole the sellers solicitors, try to an agreed time frame that everyone will look towards

We are purchasing a flat and require a conveyancing solicitor in Seaton who is on the Aldermore approved panel. Could you point me in the right direction as regards a conveyancing firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Aldermore . We don't recommend any particular firms conducting conveyancing in Seaton.

I have a mortgage with TSB for my property in Seaton. Conveyancing has been completed 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform TSB?

TSB must be informed of your intention in advance of letting out your property as this is likely to be a breach of TSB’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact TSB directly. It should not be necessary to do this via a TSB conveyancing panel solicitor.

Completion of my purchase has taken place for my property in Seaton. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?

Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

My offer on a detached house in Seaton has been agreed to, the sellers do however have a dependent purchase. The sellers have put an offer on somewhere, but it’s not been accepted yet, and are looking at other properties booked. I have chosen a nearby conveyancing solicitor in Seaton. What should be my next step? When do I get the mortgage application with Lloyds going?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is in the region of one thousand pounds, then survey, Seaton conveyancing search fees, etc). The first course of action is to ensure that your solicitor is on the Lloyds conveyancing panel. Concerning the subsequent steps this very much dictated by the circumstances of your transaction, desire for the property and on the state of the market. During a rising market many home buyers will apply for a home loan with Lloyds and pay for the valuation and only if it comes back ok would they pay their solicitor to move forward with searches.

How easy is it to use the search facility to locate a conveyancing practitioner in Seaton on the approved list for my mortgage?

First choose a bank such as Yorkshire Building Society, Skipton Building Society or Clydesdale then specify your location for example Seaton. Conveyancing organisations in Seaton and further afield should be identified.

I am hoping to put an offer on a small detached house that seems to tick a lot of boxes, at a reasonable price which is making it all the more appealing. I have just found out that the title is leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Seaton. Conveyancing lawyers have not yet been appointed. Will they explain the issues?

Most houses in Seaton are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can help the conveyancing process. We note that you are purchasing in Seaton so you should seriously consider looking for a Seaton conveyancing practitioner and check that they are used to advising on leasehold houses. First you will need to check the unexpired lease term. Being a leaseholder you will not be entirely free to do whatever you want to the property. The lease will likely included provisions for example obtaining the freeholder’sconsent to carry out alterations. It may be necessary to pay a contribution towards the upkeep of the estate where the house is part of an estate. Your conveyancer should appraise you on the various issues.

Seaton Leasehold Conveyancing - A selection of Questions you should consider Prior to buying

For most Seaton leaseholds the cost for major works tend not to be incorporated into the maintenance charges, albeit that a few managing agents in Seaton ask tenants to contribute towards a reserve fund and this is used to offset against larger repairs or maintenance. How many of the leaseholders are in arrears for their maintenance charge payments? What restrictions are there in the Seaton Lease?