Can your site be used to locate a Conveyancing solicitor in Leamington Spa even where I’m not purchasing or selling a house, for example if I wish to buy an office in Leamington Spa with a loan from Accord Mortgages Ltd?
Our search tool is predominantly utilised to select domestic conveyancing solicitors in Leamington Spa but we have recorded towards the end of this page a selection of Leamington Spa commercial conveyancing firms. You should speak with the solicitors directly to establish if they can also act for Accord Mortgages Ltd
Are all Leamington Spa Conveyancing Quality Solicitors on the Virgin Money conveyancing list of approved solicitors?
Some major lenders now utilise the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their approved list of firms.
My fiancee and I are in the process of looking at houses in Leamington Spa and I am now considering a potential offer. Is it advisable to have a property lawyer on ‘stand by’? I intend to finance via a home loan with RBS.
It would be advisable to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are taking out a mortgage with RBS, make sure you remember to check that your lawyer is on the RBS conveyancing panel.
I have today made my last payment due on my mortgage with Nottingham. I assume I don't need a Leamington Spa property lawyer on the Nottingham panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Nottingham 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 Nottingham mortgage from the register. Nottingham, 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 Nottingham has sent the Land Registry the discharge electronically, and
- Nottingham has instructed the Land Registry to do so
Various internet forums that I have come across warn that are a common cause of stalling in Leamington Spa conveyancing transactions. Is that correct?
The Council of Property Search Organisations (CoPSO) released determinations of a review by MoveWithUs that conveyancing searches do not figure within the most frequent causes of hindrances during the legal transfer of property. Searches are unlikely to be the root cause of slowing down conveyancing in Leamington Spa.
Me and my brother own a renovated Edwardian house in Leamington Spa. Conveyancing lawyer acted for me and HSBC Bank. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Leamington Spa and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing practitioner who conducted the conveyancing.
Over the last few months I have been searching for a ground for flat up to £235,500 and found one round the corner in Leamington Spa I like with amenity areas and railway links nearby, the downside is that it only has 51 years on the lease. I can't really find anything else in Leamington Spa suitable, so just wondered if I would be making a grave error buying a lease with such few years left?
Should you require a home loan that many years may be a potential deal breaker. Discount the price by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for a minimum of twenty four months you can ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this matter.