Have just purchased a repossessed house at auction in Clifton Village. Conveyancing is needed. What happens now?

Given that you are now legally bound yourself to purchase you now have to choose a conveyancing practitioner as a matter of priority as you will have a pending a fixed date to complete the purchase. All auction property will ordinarily have an associated legal pack. This will likely include the copy title deeds, local authority and drainage searches. If you have purchased leasehold property the auction papers may include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork specific to leasehold premises. You need to give this to the conveyancer instructed by you ASAP. You also need to ensure that that you have the requisite funding in order to complete the transaction on the set completion date.

I have decided to exercise my right to buy my property in Clifton Village off the council. I have a mortgage agreed with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.

My offer on a detached house in Clifton Village has been accepted, but there is a chain. The sellers have put an offer on a flat, but it’s not yet agreed to, and have viewings of other apartments booked. I have selected a local conveyancing solicitor in Clifton Village. What do I do now? At what point do I apply for the mortgage with RBS?

It is normal to have concerns where there is a chain as you are unlikely to want to incur costs prematurely (home loan application is approx £1k, then survey, Clifton Village conveyancing search charges, etc). The first thing to do is check that your conveyancer is on the RBS conveyancing panel. Concerning the subsequent steps this very much depends on the uniqueness of your case, attraction to the property and on the state of the market. In a buoyant market some buyers would apply for the mortgage with RBS and arrange for the valuation and only if it comes back ok would they request their solicitor to move forward with the conveyancing in Clifton Village.

My wife and I purchased a renovated Edwardian property in Clifton Village. Conveyancing practitioner acted for me and Halifax. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the exact same property. I thought I was buying a freehold how can I check?

You should read the Freehold register you have again and check the Charges Register as there may be 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 Clifton Village and other locations in 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 question the situation with the conveyancing lawyer who conducted the purchase.

Just had an offer accepted on a new build flat in Clifton Village. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here are examples of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Clifton Village

Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Forfeiture - bankruptcy or liquidation must not apply under this provision.

I have been on the look out for a leasehold apartment up to £305k and identified one close by in Clifton Village I like with amenity areas and railway links nearby, however it's only got 61 years on the lease. I can't really find anything else in Clifton Village suitable, so just wondered if I would be making a grave error buying a lease with such few years left?

If you need a mortgage the remaining unexpired lease term will likely be an issue. Discount the price by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you can ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor concerning this.

I need to appoint a conveyancing solicitor for sale conveyancing in Clifton Village. I have stumble upon a site which seems to have the ideal answer If it is possible to get all formalities completed via email that would be ideal. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?