It is is a decade since I purchased my property in Heacham. Conveyancing solicitors have recently been appointed on the sale but I can't track down the deeds. Is this a problem?
Don’t worry too much. Firstly the deeds may be retained by the lender or they may be archived with the solicitor who acted in your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Heacham relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
A friend pointed out to me me that in purchasing a property in Heacham there could be a number of restrictions prohibiting external changes to the property. Is this right?
We are aware of a number of properties in Heacham which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Heacham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am planning to move house in January. Does my conveyancing solicitor communicate with the removal company on the day of completion. Incidentally, can you recommend a removal company in Heacham. Conveyancing firm was found prior to coming across this site.
On the day of completion you will need to collect the house keys from the estate agent but this should only happen after the previous owners lawyers inform the agent that the monies to complete are in and the keys can be released. Subsequently you should advise the removal company that you are ready to move in. As a matter of policy we do not suggest a particular removal company but can help you find a residential property solicitor in Heacham or a solicitor that specialises in conveyancing in Heacham.
Nationwide have agreed my mortgage in principle, my bid on a property in Heacham has been accepted, what happens next?
Your property agent will want to be advised as to your solicitor's details (ensure that the conveyancing practitioners are on the lender’s approved list). Telephone Nationwide or the broker and finalise any appropriate paperwork. Nationwide will sellect a valuer who will get in touch with the estate agent or seller to book an appointment. Once carried out (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Nationwide will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Heacham.
I have been told that property searches are the main reason for stalling in Heacham house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays during the legal transfer of property. Local searches are not likely to be the root cause of delay in conveyancing in Heacham.
Due to the input of my in-laws I had a survey completed on a property in Heacham before appointing solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some banks may not give a mortgage on such a house.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Halifax. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Heacham. Conveyancing may be slightly more expensive based on your lender's requirements.
I'm remortgaging my existing house to a BTL mortgage with Santander and I will use the ballance of the raised equity towards another property. The location we are looking at is Heacham. Will your conveyancers be able to act for both sets of mortgage companies and tie in the conveyances?
Make use of our search tool on this page to be sure that the solicitors are on the relevant lender panels. Assuming that they are the lawyer will be able to simultaneously deal with the two conveyancing matters but you should have a chat with you lawyer and specify your expectations and requirements.