I am the registered owner of a freehold premises in Flintshire yet charged rent, why is this and what is this?
It’s unusual for properties in Flintshire and has limited impact for conveyancing in Flintshire but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the creation of new rentcharges post 1977.
Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.
I have been referred to a conveyancing solicitor in Flintshire. I I am struggling to find out if they are on the Nottingham Building Society approved list of lawyers. Could you or the lender confirm if they are on the panel?
The first thing you should do is phone your conveyancer and ask them if they can act for the bank. Alternatively you should call Nottingham Building Society who may be able to assist.
This question may be naive but I am unexperienced as a 1st time purchaser of a garden flat in Flintshire. Do I pick up the keys to the house on the completion date from my lawyer? If this is the case, I will appoint a High Street conveyancing solicitor in Flintshire?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will arrange to send the completion advance to the seller's conveyancers, and shortly after the monies have arrived, you will be invited to receive the keys from the property Agents and move into your new home. This tends to happen early afternoon.
Two weeks ago we had a mortgage agreed in principle with TSB. Flintshire conveyancing practitioners have been chosen. How long does it take for TSB to send the offer to the property lawyer?
There is no definitive answer here. Have TSB done the survey? Have you informed TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am buying a property in Flintshire. An unusual aspect is that the roof has a solar panel. Nationwide have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Nationwide your lawyer must follow the conveyancing instructions contained in Part 2 of UK Finance Lenders’ Handbook for Nationwide. The Council of Mortgage Lenders’ Handbook includes minimum provisions for solar panel roof-space leases, and lawyers are required to report to Nationwide where a lease fails to meet these requirements. The provisions relate to the installation of panels on properties nationwide and is not restricted to Flintshire.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Flintshire is the location of the property. Can you shed any light on this issue?
Flying freeholds in Flintshire are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Flintshire you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Flintshire may determine 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.
We are one month into a residential purchase having been recommend to solicitors by the high street agent to execute conveyancing in Flintshire. I am am very dissatisfied with the quality of service. Can you you assist me in finding new lawyers?
They would have to be really bad to suggest changing them. Has your mortgage offer been sent? If so you need to inform them of the new contact details and have the loan are issued to the new lawyers. Your new solicitor ideally should be on the lenders approved list to avoid supplemental costs and frustration. So that should be your first question of the new solicitors. Our find a solicitor tool should help you find a lender approved lawyer for your conveyancing in Flintshire