My grandmother passed away six months ago and as sole heir and executor I was left the house in Coxhoe. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this allowed?

If you plan to re-mortgage then Skipton will require that you use a conveyancer on the Skipton conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Skipton conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Skipton mortgage is registered as a charge at the Land Registry.

The deeds to our house are lost. The conveyancers who handled the conveyancing in Coxhoe 10 years ago have long since closed. Will I be able to sell the house?

You no longer need to have the physical deeds to establish that you own the land or premises, as the Land Registry have everything they need in a digital format.

I am a fortnight into a freehold purchase having been directed to a firm by the estate agent to perform conveyancing in Coxhoe. I am am extremely disappointed with the quality of service. Could you help me find new solicitors?

They would have to be very poor to suggest replacing them. Has your loan offer been sent? In the event that it has you will need to inform them of the new contact details and have the loan are re-sent. Your conveyancer should be on the mortgage company panel to avoid supplemental charges and frustration. So that should be your starting point. The search tool can help you find a lender approved conveyancer for your conveyancing in Coxhoe

I am tempted by the attractive purchase price for a two flats in Coxhoe which have about forty five years remaining on the leases. Should I regard a short lease as a deal breaker?

There are plenty of short leases in Coxhoe. The lease is a legal document that entitles you to use the property for a prescribed time frame. As a lease gets shorter the marketability of the lease decreases and results in it becoming more expensive to acquire a lease extension. For this reason it is often a good idea to increase the term of the lease. It is often difficult to sell a property with a short lease as mortgage lenders less inclined to grant a loan on properties of this type. Lease extension can be a protracted process. We advise that you seek professional help from a conveyancer and surveyor with experience in this field.

Coxhoe Leasehold Conveyancing - A selection of Queries Prior to Purchasing

Who are the managing agents? Plenty Coxhoe leasehold flats will be liable to pay a service bill for the upkeep of the building levied by the management company. Where you acquire the property you will have to meet this charge, usually in instalments during the year. This may differ from several hundred pounds to thousands of pounds for bigger purpose-built blocks. In all likelihood there will be a rentcharge to be met yearly, this is usually not a exorbitant amount, say approximately £25-£75 but you need to check it because occasionally it could be many hundreds of pounds. Are there any major works in the near future that will likely increase the service charges?

What if there is a problem with one of the searches for our conveyancing in Coxhoe?

Normally, the majority of problems arising from Coxhoe conveyancing search responses can be addressed before completion or indemnity insurance can be taken. You should remember that although you may be acquiring the premises and might be willing to live with the search results, your mortgage lender may not, and ultimately the decision rests with them.