I am hoping to receive a mortgage with Santander. I would like to use a Licensed Conveyancer in Anerley. Does the Santander Solicitor panel allow for Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Forgive me if this question is silly but I am unseasoned as a 1st time buyer of a two bedroom flat in Anerley. Do I collect the keys to the property on the completion date from my solicitor? If so, I will appoint a High Street conveyancing solicitor in Anerley?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the purchase money to the owner’s lawyers, and shortly after the monies have arrived, you will be able to pick up the keys from the property Agents and move into your new home. Usually this occurs early afternoon.
I'm spending time looking at houses in Anerley and I am now considering a potential offer. Is it sensible to have my solicitor on ‘stand by’? I will be getting a mortgage with Yorkshire BS.
It would be wise to instigate your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. Given that you are taking out a mortgage with Yorkshire BS, ask your prospective lawyers if they are on the Yorkshire BS conveyancing panel otherwise they can't do the mortgage legal work.
I have today made my last payment due on my mortgage with TSB. I assume I don't need a Anerley property lawyer on the TSB panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your TSB mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the TSB mortgage from the register. TSB, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
Do I need to pay for insurance to protect me from financial exposure to chancel repairs when acquiring a house in Anerley?
Unless a previous acquisition of the property took place post 12 October 2013 you may assume that lawyers delivering conveyancing in Anerley to continue to propose a a chancel search and or insurance against a claim.
My wife and I own a terraced Edwardian property in Anerley. Conveyancing practitioner represented me and Leeds Building Society. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the exact same address. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register as there may be 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 Anerley and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing practitioner who conducted the work.
I've recently found out that there is a flying freehold issue on a house I have offered on a fortnight ago in what should have been a straight forward, no chain conveyancing. Anerley is the location of the property. Can you offer any opinion?
Flying freeholds in Anerley are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Anerley you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Anerley may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.