This question may be naive but I am unexperienced as FTB of a two bedroom flat in Clayhall. Do I pick up the keys to the premises on completion from my conveyancer? If so, I will use a local conveyancing solicitor in Clayhall?
On the day of completion you will not be required to go to the conveyancers office in Clayhall. Your solicitors will arrange to send the purchase money to the seller's conveyancers, and shortly after the monies have arrived, you will be called to pick up the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.
We had appointed conveyancing lawyers with offices in Clayhall on the HSBC solicitor panel. They have just invoiced me a separate fee for dealing with the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your conveyancing practitioner may levy a fee for this. This fee is not dictated by HSBC but by your Clayhall property lawyer. Some firms on the HSBC panel will levy an ‘acting for lender’ fee and others do not.
My fiancee and I are in the process of viewing apartments in Clayhall and I am about to put in an offer. Is it sensible to have my conveyancing practitioner on ‘stand by’? I am planning to take a home loan with Nottingham.
It would be wise to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the EA. As you are obtaining a mortgage with Nottingham, ask your prospective lawyers if they are on the Nottingham conveyancing panel otherwise they can't do the mortgage legal work.
I know that there are debates on Chancel Insurance on online forums. Do I need this when purchasing a property in Clayhall? or Apparently there is an ancient law that means some house owners living in a parish church boundary may be liable to pay for repairs towards the chancel within the church. Is this applicable for conveyancing in Clayhall?
Unless a previous acquisition of the premises completed post 12 October 2013 you can assume that solicitors conducting conveyancing in Clayhall to continue to suggest a chancel search and or insurance against a claim.
I have todaydiscovered that Arc property Solicitors have been shut down. They conducted my conveyancing in Clayhall for a purchase of a freehold house 10 months ago. How can I be sure that my home is in my name in the name of the former proprietor?
The easiest method to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Clayhall conveyancing specialists.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what was supposed to be a straight forward, no chain conveyancing. Clayhall is where the house is located. Can you shed any light on this issue?
Flying freeholds in Clayhall are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Clayhall you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Clayhall may decide 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 property.
Taking into account that I will soon part with hundreds of thousands of pounds on a property in Clayhall I would like to talk to a conveyancer regarding thetransaction before instructing 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 first talking to the conveyancer who will be doing your property ownership legalities in Clayhall.There is no ‘factory style conveyancing’ - each client is unique individual, not a file number. The solicitors that we put you in touch with believe that the figure you are provided with for residential conveyancing in Clayhall should be the amount on the final invoice that you end up paying.