I am searching for value for money property lawyer. Do I opt for an internet conveyancer rather than a family Hull East conveyancing lawyer?
Generally conveyancing solicitors in your neck of the woods will benefit from good relationships with your local authority, which can assist with the Hull East conveyancing searches that your lawyer will need to carry out. It can only help if they enjoy strong rapport with the Land Registry in your area Hull East, other conveyancers in the neighbourhood and Hull East Estate Agents.
My aunt passed away last year and as sole heir and executor I was left the house in Hull East. The house had a relatively small loan left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Virgin Money, pay off the mortgage. Is this allowed?
Where you intend to re-mortgage then Virgin Money will insist on your using a conveyancer on the Virgin Money conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Virgin Money conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Virgin Money mortgage is registered as a charge at the Land Registry.
My colleague advised me that where I am purchasing in Hull East I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Hull East conveyancing searches. It is a large document of about 40 pages, listing and detailing important information about Hull East around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful data regarding Hull East.
I decided to have a survey carried out on a property in Hull East before appointing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some mortgage companies tend refuse to give a loan on a flying freehold property.
It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. Should you wish to telephone us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hull East. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hull East to see if the conveyancing costs will increase in light of this.
Are there any apps to help identify a Hull East law firm on the Platform Home Loans Ltd conveyancing panel? I have wheels and am prepared to travel upto 20kilometers to meet the solicitor.
You can use the search on this page. Please choose the mortgage company and your location and you will see a number of Hull East conveyancing lawyers locally. We have detailed some Hull East conveyancing firms towards the end of this page and you can contact them to see whether they are on the Platform Home Loans Ltd panel