My father informed me that in purchasing a property in Hove there could be various restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of a number of properties in Hove which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Hove should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We had chosen solicitors with offices in Hove on the Santander solicitor approved list. They are now charging me an additional charge for handling the Santander mortgage. Is this an additional conveyancing fee specified by Santander?
Provided it is contained in their Terms of Engagement or Quote then yes your lawyer is entitled to levy a fee for this. This fee is not dictated by Santander but by your Hove conveyancer. Some firms on the Santander panel will charge ’dealing with mortgage’ fee but many practices include it on their overall fee.
I have paid off my mortgage with Barclays. I assume I don't need a Hove lawyer on the Barclays panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Barclays mortgage from the register. Barclays, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
Despite weeks of looking the Title Certificate and documents to our property can not be found. The solicitors who dealt with the conveyancing in Hove 4 years ago no longer exist. What are my next steps?
Assuming the title is registered the information relating to your ownership will be held by HMLR with a Title Number. It is possible to carry out a search at the Land Registry, locate your house and order current copies of the Registered Entries for less than a fiver. If the title is Leasehold then the Land Registry will also normally hold a file duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.
About to purchase a new build flat in Hove. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Hove
Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
I am using a search engine for the phrase cheap conveyancing in Hove it brings up numerous solicitorslocally. How do I determine which is the suitable property lawyer for the sale of my house?
The ideal method of finding the right conveyancer is via personal referral, so seek the counsel of friends and family who have bought a property in Hove or the reputable estate agent or financial adviser. Charges for conveyancing in Hove differ, so it's a good idea to obtain a minimum of three fee estimates from varying types of conveyancers. Make sure that you clarify that the charges are assured not to to be inflated.
Are there common defects that you see in leases for Hove properties?
Leasehold conveyancing in Hove is not unique. Most leases are unique and legal mistakes in the legal wording can result in certain provisions are erroneous. For example, if your lease is missing any of the following, it could be defective:
Clauses dealing with recovering service charges for expenditure on the building or common parts. A provision to repair to or maintain elements of the premises
A defective lease will likely cause issues when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Lloyds TSB Bank, Chelsea Building Society, and Clydesdale all have express conveyancing instructions when it comes to what is expected in a lease. If a mortgage lender believes that the lease is defective they may refuse to provide security, obliging the buyer to withdraw.
I purchased a 1st floor flat in Hove, conveyancing having been completed April 2000. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent flats in Hove with an extended lease are worth £216,000. The ground rent is £50 per annum. The lease comes to an end on 21st October 2090
You have 69 years unexpired we estimate the premium for your lease extension to be between £9,500 and £11,000 as well as plus your own and the landlord's "reasonable" professional fees.
The suggested premium range above a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure in the absence of comprehensive due diligence. You should not use this information in tribunal or court proceedings. There are no doubt additional issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not move forward placing reliance on this information without first getting professional advice.