Finally the sale completed on my house in Cleator Moor last July yet the purchaser is SMS messaging me to moan that their conveyancer needs to hear from myconveyancer. What should have happened now that I have sold?
After completion of your disposal your solicitor should send the transfer deeds and all of the paperwork to the purchaser's solicitors. If applicable, your lawyer should also send confirmation that the legal charge in favour of the lender has been discharged to the purchasers solicitors. There is unlikely to be post completion formalities specific conveyancing in Cleator Moor.
A relative advised me that in purchasing a property in Cleator Moor there may be various restrictions preventing external alterations to a property. Is this right?
We are aware of a number of properties in Cleator Moor which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Cleator Moor should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We previously instructed conveyancers located in Cleator Moor on the Nationwide solicitor approved list. They are now charging me a separate fee for handling the Nationwide mortgage. Is this an additional conveyancing fee specified by Nationwide?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your lawyer can charge a fee for this. This charge is not set by Nationwide but by your Cleator Moor solicitor. Plenty of firms on the Nationwide panel will quote an ‘acting for lender’ fee but plenty of practices include it on their overall fee.
Two weeks ago we had a mortgage agreed in principle with Clydesdale. Cleator Moor conveyancing solicitors have been selected. What is the average time that one could expect to receive a mortgage offer from Clydesdale?
Some lenders take longer than others. Have Clydesdale conducted the valuation? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Me and my brother have a semi-detached Edwardian property in Cleator Moor. Conveyancing practitioner acted for me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold with the matching property. I thought I was buying a freehold how can I check?
You should review 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cleator Moor 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 lenders. You can also enquire as to the position with your conveyancing solicitor who conducted the conveyancing.
I decided to have a survey completed on a property in Cleator Moor in advance of appointing lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some mortgage companies may refuse to give a mortgage on this type of house.
It varies from the lender to lender. Lloyds has different instructions for example to Halifax. If you contact us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cleator Moor. Conveyancing may be slightly more expensive based on your lender's requirements.
We're novice buyers - had an offer accepted, yet the selling agent has warned us that the vendor will only go ahead if we appoint the agent's recommended conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a high street conveyancer with experience of conveyancing in Cleator Moor
We suspect that the owner is not behind this ultimatum. If they want ‘a quick sale', taking such a hostile approach to a genuine purchaser is is going to put the whole deal at risk. Bypass the agents and go straight to the owners and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)but you are going to use your preferred Cleator Moor conveyancing lawyers - not the ones that will give the estate agent a commission or achieve conveyancing figures set by HQ.