Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Blaby?

Two types of professional can execute conveyancing in Blaby namely CLC regulated conveyancers or solicitors. Both professionals administer the legal services that you need to complete the sale or acquisition of property. They are both required to handle Blaby conveyancing on similar standards and guidelines so you can be sure that your conveyancing will be professionally administered and that the requirements and procedures should be accurately adhered to.

Completion of my purchase has taken place for my property in Blaby. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Almost all 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. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

At last I have had an offer on a maisonette in Blaby agreed to, the sellers do nevertheless have an associated purchase. The vendors have put an offer on on an apartment, however it’s not been accepted yet, and are looking at other flats in the pipeline. I have chosen a bricks and mortar conveyancing solicitor in Blaby. What do I do now? When should I get the mortgage application with Bank of Ireland started?

It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is approx £1k, then survey, Blaby conveyancing search fees, etc). The first thing to do is ensure that your conveyancing practitioner is on the Bank of Ireland approved list. Concerning the next steps this very much dictated by the uniqueness of your transaction, desire for this property and on the state of the market. During a buoyant market the majority of purchasers would apply for a home loan with Bank of Ireland and pay for the valuation and only if it comes back ok would they ask their lawyer to press on with searches.

A colleague suggested that if I am buying in Blaby I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is usually included in the estimate for your Blaby conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Blaby around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Blaby Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data regarding Blaby.

I purchased my house on 9 October and the transaction details is yet to be on the land registry website. Any reason for this? My conveyancing solicitor in Blaby said it will be concluded in a couple of weeks. Are transfers in Blaby particularly slow to register?

There is nothing unique when it comes to conveyancing in Blaby registration formalities. As opposed to being determined by geographic area, timeframes can vary according to the party submitting the application, whether there are errors and if the Land registry have to notify any third parties. At present approximately 80% of such applications are fully dealt with in less than three weeks but some can be subject to longer delays. Historically registration is effected after the purchaser has moved in to the property thus 'speed' is not always top priority but where it is urgent that the the registration takes place urgently then you or your lawyers must communicate with the Registry to express the reasoning for an expedited registration.

I'm purchasing my first flat in Blaby with a loan from Barclays Direct. The developers would not budge the price so I negotiated five thousand pounds worth of extras instead. The house builders rep told me not reveal to my lawyer about this side-deal as it would put at risk my loan with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am hoping to exchange soon on a garden flat in Blaby. Conveyancing solicitors assured me that they are sending me a report tomorrow. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Blaby should include some of the following:

specifics of the parties to the lease, for example these could be the lessee, head lessor, landlord if lease caters for for a reserve account for major repairs? Whether the landlord has obligations to ensure rights of quiet enjoyment over your premises and do you know what it means in practice? An explanation concerning the obligations in the lease to pay service charges - in relation to the building, and the more general rights a tenant has Rent payments - what is due and when you need to pay, and be on notice if this is subject to change

I invested in buying a basement flat in Blaby, conveyancing having been completed September 2001. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent properties in Blaby with an extended lease are worth £197,000. The ground rent is £55 levied per year. The lease ends on 21st October 2079

You have 55 years remaining on your lease the likely cost is going to range between £31,400 and £36,200 as well as legals.

The suggested premium range above a general guide to costs for renewing a lease, but we cannot give you the actual costs without more comprehensive investigations. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional issues that need to be taken into account and you obviously should be as accurate as possible in your negotiations. You should not take any other action based on this information without first getting professional advice.