We're in Cullompton, First timers buying with a mortgage (lender is Coventry BS , and our lawyer is on the Coventry BS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Coventry BS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I understand that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when acquiring a house in Cullompton? or I am told that there is a law dating back centuries that could mean that owners of property residing in a parish church boundary may be liable to pay for maintenance towards the chancel in proximity to the church. Is this suitable for conveyancing in Cullompton?
Unless a prior acquisition of the property completed post 12 October 2013 you can expect conveyancing practitioners handling conveyancing in Cullompton to continue to recommend a chancel search and or insurance against a claim.
I opted to have a survey completed on a house in Cullompton prior to retaining lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some lenders may refuse to issue a mortgage on a flying freehold home.
It depends who your proposed lender is. HSBC has different instructions from Halifax. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cullompton. Conveyancing may be slightly more expensive based on your lender's requirements.
How do I locate a Cullompton law firm on the Platform Home Loans Ltd conveyancing panel? I have wheels and am happy to travel upto 10kilometers to meet the conveyancer.
Feel free to make use of the search on this page. Please choose the bank and your location and you will see a number of Cullompton conveyancing lawyers locally. We have listed some Cullompton conveyancing firms towards the end of this page and you can call them to verify whether they are on the Platform Home Loans Ltd member panel
Should one remove a departed person's details from the title deeds for a property in Cullompton?
Where a Cullompton property is jointly owned and one of the owners dies, their name will not immediately be removed from the title deeds. It is not necessary to amend the title as when it comes to a disposal your lawyer would simply need to evidence why the other proprietor is missing from the conveyance, such as a grant of probate.
With the aim of making things more straight forward for the sale of the property you can arrange to have the deceased name removed from the title entries by submitting an application to HMLR with evidence of the death. There is no land registry fee payable.