We see that you have a search directory listing law firms on the Virgin Money conveyancing panel. Do firms pay you a referral fee if I appoint them for our own conveyancing in Hagley?
We are a listing service only for law firms wishing to communicate if they are on the Virgin Money conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Hagley.
Will our conveyancer be asking questions about flooding as part of the conveyancing in Hagley.
The risk of flooding is if increasing concern for lawyers specialising in conveyancing in Hagley. There are those who acquire a house in Hagley, completely expectant that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, if a house is at risk of flooding, it may be difficult to obtain a mortgage, adequate building insurance, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Solicitors are not best placed to offer advice on flood risk, however there are a number of checks that can be undertaken by the purchaser or by their conveyancers which will give them a better appreciation of the risks in Hagley. The conventional set of information supplied to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard inquiry of the seller to determine if the property has ever been flooded. In the event that the residence has been flooded in past which is not disclosed by the seller, then a purchaser could commence a compensation claim as a result of such an misleading reply. The purchaser’s lawyers may also order an environmental report. This will higlight whether there is a recorded flood risk. If so, further investigations should be conducted.
I own a renovated Victorian house in Hagley. Conveyancing practitioner represented me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, the second leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to assess 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 Hagley 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 mortgage companies. You can also check the position with the conveyancing practitioner who conducted the conveyancing.
I decided to have a survey done on a house in Hagley before retaining solicitors. I have been told that there is a flying freehold aspect to the house. My surveyor advised that some banks may not issue a mortgage on this type of house.
It varies from the lender to lender. Lloyds has different requirements from Halifax. If you e-mail us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hagley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hagley to see if the conveyancing costs will increase in light of this.
My mum and dad cant seem to find their Hagley property on the HMLR website. They recall that 50 years ago when they bought the house there were complications regarding Hagley not being identified on some systems.
Almost all residences in Hagley should appear. Have you limited your search to simply the postcode. Normally it should disclose all the properties inside that postcode. Where recorded it will be there with a title number. Where they bought back in the 60’s it's conceivable it may be unrecorded. The address might still be revealed but with the title number shown 'na'. In this scenario you will need to locate the original title documentation which might be with your parent’s lender.