Having sold my house in Calne last October but the buyer keeps Skype messaging daily to say his lawyer is waiting to hear from myconveyancer. What should have happened following completion?
Following your sale your solicitor is duty bound to deliver the transfer deeds and all supplemental paperwork to the buyer’s solicitors. Where relevant, your solicitor should also evidence that the mortgage has been discharged to the purchasers lawyers. There are no post completion tasks specific conveyancing in Calne.
I am selling my home in Calne. Will the conveyancer have to be on the Nottingham conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Nottingham conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently currently.
I am purchasing a terrace house in Calne. Our aim is to carry out a loft conversion at the house.Will the conveyancing process involve enquiries to see if these works are prohibited?
Your solicitor will review the registered title as conveyancing in Calne can sometimes reveal restrictions in the title deeds which prevent categories of changes or need the consent of a 3rd party. Many additions need local authority planning consent and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor before you commit yourself to a purchase.
I am the only recipient of my late grandmother’s will and I have everything in my name now, including the my former home in Calne. Conveyancing formalities meant that the Land Registry date was in October. I plan to dispose of the property. I understand that there is a CML six month 'rule', which means that my proprietorship could be regarded the same way as if I'd bought the house in October. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be caught by that. How practical a view lenders take of it, depend on the bank as this obligation is primarily there to identify subsales or the flipping of properties.
I have today made my last payment due on my mortgage with Nationwide. I assume I don't need a Calne property lawyer on the Nationwide panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Nationwide 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 Nationwide mortgage from the register. Nationwide, 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 Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Calne is where the house is located. Is there any advice you can give?
Flying freeholds in Calne are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Calne you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Calne 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 premises.
I am selling my home. My past solicitors has retired. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Calne if that makes a difference.
Do use our search tool to help you find a solicitor for your conveyancing in Calne. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs smoothly.