I am aiming to move home in May. Should my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you suggest a removal company in Belford. Conveyancing lawyer was organised prior to coming across this site.
On the afternoon of completion you can collect the keys from the estate agent but this should only be done once the vendors solicitors confirm to the agent that they acknowledge receipt of the completion payment and the keys can be released. Subsequently you will need to tell the removal men that you are ready to move in. We do not suggest a specific removal company but can assist you in finding a residential property solicitor in Belford or a firm that specialises in conveyancing in Belford.
I am purchasing a property in Belford. A rare aspect is that the roof has a solar panel. Lloyds have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Lloyds your lawyer must comply with the formal requirements set out in Section 2 of UK Finance Lenders’ Handbook for Lloyds. The Council of Mortgage Lenders’ Handbook includes minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Lloyds where a lease does not meet these provisions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Belford.
Intending to buy a apartment in Belford. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Belford lawyer is on the RBS conveyancing panel.
Me and my brother purchased a semi-detached Edwardian property in Belford. Conveyancing practitioner acted for me and HSBC Bank. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold with the exact same property. Is it worth asking HSBC Bank to clarify?
You should 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Belford and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with your conveyancing practitioner who conducted the work.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what should have been a quick, no chain conveyancing. Belford is the location of the property. What do you suggest?
Flying freeholds in Belford are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Belford you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Belford may determine 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 residence.
How do I locate a Belford law firm on the Alliance & Leicester conveyancing panel? I drive a motor bike and am happy to travel upto 20miles to meet the conveyancer.
Feel free to make use of the search on this website. Please choose the mortgage company and your location and you will see a number of Belford conveyancing lawyers located nearest you. We have listed some Belford conveyancing firms at the bottom of this page and you can ring them to see whether they are on the Alliance & Leicester approved list
What is the reason for new build conveyancing in Belford being more expensive?
Buying a new build home is completely different from the standard house purchase conveyancing in Belford. For a start housebuilders usually demand contracts to exchange inside a short timeframe, so there is a lot of pressure on your conveyancer to make sure all is in order. In addition new build premises often involve examination of adoption of highways, drains, planning considerations, building warranties or architects certificates. Mortgage lender obligations are also more demanding. Given the complex nature of the process for these types of properties, the conveyancing new build fees are higher than normal.