My house in Chathill is up for sale and I have accepted an offer. Will my solicitor have to be required to be on the Yorkshire BS conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Yorkshire BS 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 specifications fairly frequently at the moment.
I am assisting my mother sell her property in Chathill. Will the solicitor arrange the EPC or it is for the owner to see to?
After the abolition of HIPs, energy assessments was maintained a required element of selling a house. An energy performance certificate must be to hand in advance of the property being marketed. It is not something that law firms normally organise. Where you are instructing a Chathill conveyancing lawyer they may be able to arrange energy assessments given their relationships with reputable local providers
is it true that all Chathill solicitor practices on the UBS conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the UBS approved list of solicitors they would need to be overseen by the SRA. Some lenders do permit licenced conveyancers on their panel in which case such practice would be overseen by the CLC.
We had appointed conveyancing lawyers based in Chathill on the Bank of Ireland solicitor approved list. They have just invoiced me a supplemental sum for the legal aspects of the Bank of Ireland mortgage. Is this a supplemental conveyancing fee set by Bank of Ireland?
Provided it is contained in their Terms and Conditions or estimate then yes your conveyancing practitioner can levy a fee for this. This fee is not set by Bank of Ireland but by your Chathill property lawyer. Plenty of firms on the Bank of Ireland panel will levy ’dealing with mortgage’ fee but plenty of firms incorporate it on their overall fee.
My wife and I have a 4 bedroom Victorian property in Chathill. Conveyancing practitioner represented me and Accord Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold with the matching address. Is it worth asking Accord Mortgages Ltd to clarify?
You need to read 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 Chathill and other areas of 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 mortgage companies. You can also check the position with the conveyancing solicitor who completed the work.
Taking into account that I am about to spend 450k on a garden flat in Chathill I would like to have a conversation with the lawyer concerning thehouse move prior to giving the go ahead to the firm. Can this be arranged?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor who will be conducting your property ownership legalities in Chathill.There is no ‘factory style conveyancing’ - each client is an important person, not a matter number. The solicitors that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Chathill should be the amount on the final invoice that you end up paying.
Estate agents have just been given the go-ahead to market my 2 bed apartment in Chathill. Conveyancing has not commenced, however I have just had a yearly maintenance charge invoice – Do I pay up?
The sensible thing to do is pay the maintenance contribution as usual as all rents and maintenance charges should be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
Chathill Conveyancing for Leasehold Flats - A selection of Queries before Purchasing
Make sure you enquire if there is anything that is prohibited in the lease. By way of example some leases prohibit pets being allowed in certain buildings in Chathill. If you like the propertyin Chathill yet your dog can’t live with you then you have a very hard determination. Who manages the building? Are there any major works anticipated that will likely add a premium to the service charges?