Having sold my house in Hilton last September but my buyer keeps texting every few hours to say his lawyer is waiting to hear from mine. What are the post completion sale legalities following completion?
Post completion of your house sale your solicitor should forward the transfer documentation and all supplemental paperwork to the buyer’s conveyancer. Where appropriate, your lawyer should also evidence that the legal charge in favour of the lender has been discharged to the buyers lawyers. There are no post completion procedures specific conveyancing in Hilton.
I am currently in the process of buying my council flat in Hilton. I have a mortgage agreed with Coventry BS. 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 Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
Having digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Hilton solicitor - who is on the Virgin Money conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Virgin Money will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin Money will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Hilton surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My offer on a semi in Hilton has been agreed to, but there is a chain. The vendors have placed an offer on somewhere, however it’s not yet agreed to, and have viewings of other properties in the pipeline. I have instructed a high street conveyancing solicitor in Hilton. What do I do now? When should I get the mortgage application with RBS started?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then survey, Hilton conveyancing search fees, etc). The first course of action is to ensure that your property lawyer is on the RBS approved list. Regarding the subsequent steps this very much depends on the circumstances of your transaction, motivation for this property and on the state of the market. In a buoyant market some home buyers will apply for the mortgage with RBS and arrange for the valuation and only if it comes back ok would they request their conveyancing practitioner to press on with the conveyancing in Hilton.
I have justbeen informed that Arc property Solicitors have been shut down. They conducted my conveyancing in Hilton for a purchase of a freehold house 10 months ago. How can I check that my home is in my name in the name of the previous owner?
The quickest way to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Hilton conveyancing specialists.
Over the last few months I have been searching for a flat up to £195,000 and found one near me in Hilton I like with a park and transport links nearby, however it only has 51 years on the lease. I can't really find anything else in Hilton suitable, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a mortgage the shortness of the lease may be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of twenty four months you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this.
I am 14 days into a freehold purchase having been referred to a firm by the estate agent to carry out the conveyancing in Hilton. We are not happy. Could you help me find new conveyancers?
A lawyer would have to be really bad in order to consider diss instructing them. Has your mortgage been sent? If so you need to make them aware of the new contact details and ensure the loan are re-issued. Your solicitor ideally should be on the mortgage company approved list to avoid added expenses and delays. That should be your starting point. The find a solicitor tool should assist you in finding a bank approved conveyancer for your conveyancing in Hilton