Can the conveyancing lawyers via your comparison service carry out attended exchange conveyancing in Westerham?
We do have a number of conveyancing experts carrying out personalised exchanges. Do call us to receive a conveyancing quote and details as to dates.
We note that you have a search directory identifying firms on the HSBC conveyancing panel. Do firms pay you a commission if I appoint them for our conveyancing in Westerham?
We are a listing service only for law firms wishing to communicate if they are on the HSBC conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Westerham.
My aunt passed away six months ago and as sole heir and executor I was left the property in Westerham. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Co-operative, pay off the mortgage. Is this possible?
If you plan to refinance then Co-operative will insist on your using a conveyancer on the Co-operative 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 Co-operative 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 Co-operative mortgage is registered as a charge at the Land Registry.
There are a variety of conveyancing solicitors in Westerham but how do I know who's good?
We would encourage you not to go for the cheapest Westerham conveyancing costs illustration. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
I am the single beneficiary of my late mum's estate with all property in now in my sole name, including the house in Westerham. The Westerham property was put into my name in April. I plan to dispose of the property. I do know about the CML 6 month 'rule', which means that my property ownership may be regarded the same way as though I had purchased the house in April. Will no one buy the property for half a year?
The CML handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be caught by that. many lenders would take a pragmatic view as this obligation is primarily there to capture subsales or the quick reselling of properties.
I had a mortgage agreed in principle with Nationwide. Westerham conveyancing lawyers are instructed. What is the average time that one could expect to receive a mortgage offer from Nationwide?
There is no definitive answer here. Have Nationwide done the survey? Have you advised Nationwide as to your lawyers' details and checked that your lawyers are on the Nationwide conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am looking for a flat up to £235,500 and found one round the corner in Westerham I like with open areas and railway links in the vicinity, however it's only got 61 years on the lease. There is not much else in Westerham in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you need a mortgage that many years will likely be problematic. Reduce 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 twenty four months you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer about this.