My husband and I intend to remortgage our penthouse in Halifax with TSB. We have a son 18 who lives at home. Our solicitor requested us to identify any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is repossessed. I have two questions (1) Is this document specific to the TSB conveyancing panel as he did not need to sign this form when we purchased 4 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?
First, rest assured that your TSB conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to TSB. This is solely used to protect TSB if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of TSB had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
My wife and I have recently appointed a conveyancing solicitor in Halifax. I I would like to check whether they are accepted on the Aldermore conveyancing panel. Can you assist?
The first thing you should do is contact your lawyer and enquire if they are on the lender panel. Otherwise you can call Aldermore who may be able to confirm.
This question may be naive but I am new to the home buying as FTB of a garden flat in Halifax. Do I receive the keys to the house on completion from my lawyer? If this is the case, I will find a local conveyancing solicitor in Halifax?
On the day of completion you do not need to go to the conveyancers office in Halifax. Your solicitors will arrange to send the completion advance to the seller's lawyers, and once they have received this, you should be invited to collect the keys from the Estate Agents and start moving into the property. This tends to happen between 1 and 3pm.
Two weeks ago we had a mortgage agreed in principle with Clydesdale. Halifax conveyancing solicitors were appointed. What is the average time that one could expect to receive a mortgage offer from Clydesdale?
Some lenders take longer than others. Have Clydesdale done the survey? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I have decided to exercise my right to buy my property in Halifax off the council. I have a mortgage offer with HSBC. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 HSBC, you will need to appoint a solicitor on the HSBC conveyancing panel.
I require quick conveyancing in Halifax as I am faced with an ultimatum to complete within one month. Luckily I do not require a mortgage. Can I escape the need for conveyancing searches to save money and time?
If.Given you are not getting a home loan you are at liberty not to do searches although no solicitor would advise that you don't. Drawing on years of experience of conveyancing in Halifax the following are examples of what can crop up and therefore affect market value: Enforcement Notices, Overdue Fees, Outstanding Grants, Railway Schemes,...
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