I am aiming to move home in November. Will my conveyancing solicitor communicate with the removal company on the day of completion. As an aside, can you recommend a removal company in Birmingham and the Black Country. Conveyancing firm was chosen before I stumbled across your site.
On the afternoon of completion you will need to collect the keys from your selling agent however this should only happen after the sellers lawyers confirm to the agent that they have the completion monies and the keys can be collected. After that you can advise the removal men that you are ready to move in. We do not recommend a particular removal company but can assist you in finding a conveyancing in Birmingham and the Black Country or a solicitor with expertise in conveyancing in Birmingham and the Black Country.
Please help - my lawyer says that restrictive coveneant insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Birmingham and the Black Country?
The appropriate level of restrictive coveneant indemnity insurance should be dictated by who your lender. It would differ for example between Birmingham Midshires and Bank of Scotland. Conveyancing solicitors as opposed to members of the public take out such insurances.
My partner and I have organised the release of further monies on our mortgage from Clydesdale as we intend to carry out improvements to our home in Birmingham and the Black Country. Are we obliged to choose a local Birmingham and the Black Country solicitor on the Clydesdale conveyancing panel to deal with the legals?
Clydesdale would not normally require firms on their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Clydesdale conveyancing panel.
Me and my brother own a renovated Georgian house in Birmingham and the Black Country. Conveyancing practitioner acted for me and Yorkshire Building Society. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You should assess 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 Birmingham and the Black Country 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 purchasers. You can also enquire as to the position with your conveyancing lawyer who conducted the conveyancing.
How does conveyancing in Birmingham and the Black Country differ for new build properties?
Most buyers of new build residence in Birmingham and the Black Country come to us having been asked by the seller to sign contracts and commit to the purchase even before the premises is completed. This is because new home sellers in Birmingham and the Black Country tend to buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Birmingham and the Black Country or who has acted in the same development.
I am looking for a ground for flat up to £245,000 and identified one close by in Birmingham and the Black Country I like with open areas and station in the vicinity, however it only has 52 remaining years left on the lease. There is not much else in Birmingham and the Black Country in this price bracket, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you require a home loan the remaining unexpired lease term may be an issue. Discount the price by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least twenty four months you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this.
Is it the case that all Birmingham and the Black Country property lawyers on every bank conveyancing panel?
You can use our search tool or you can drop into your local lender branch in Birmingham and the Black Country. Chances are that they will be in a position to suggest some approved conveyancing solicitors in Birmingham and the Black Country