Me and my wife are buying a maisonette in New Eltham. My Conveyancer is not on the mortgage company solicitor list. Am I still permitted to use my New Eltham conveyancing solicitor notwithstanding that they are not on the lender approved list?
You have a couple of choices open to you here
- Complete the deal with your chosen New Eltham property lawyer but your lender will undoubtedly instruct a conveyancing practitioner from their approved panel. The net result is additional fees and likely delay.
- Choose a new conveyancer to conduct the conveyancing, ensuring that they are on the bank conveyancing panel.
- Convince your conveyancing practitioner to pull out all the stops to get listed on the lender’s conveyancing panel
We are buying our first property. The property lawyer has calledto see if we would like to purchase extra conveyancing searches. We are really unsure what's needed for conveyancing in New Eltham
The range of New Eltham conveyancing searches depends primarily on the premises, the location, the likelihood of any of these risks, your familiarity of the area and risks, your general attitude to risk. What is important is that you adequately understand what information the searches could supply. Then you can decide if you personally think you need that information. Where you are uncertain, ask the solicitor to advise.
I completed on my house on 14 June and the transaction details is not yet on the land registry website. Should I be concerned? My conveyancing solicitor in New Eltham said it would be concluded in less than a month. Are transfers in New Eltham uniquely lengthy to register?
As far as conveyancing in New Eltham is concerned, registration is no faster or slower than the rest of England and Wales. Rather than based on location, timescales can vary according to who lodges the application, whether it is in order and whether the Land registry need to notify any interested persons or bodies. As of today in the region of 80% of submission are completed in less than three weeks but some can be subject to extensive hold-ups. Registration occurs after the purchaser is living at the premises therefore 'speed' is not always top priority but if it is urgent that the the registration takes place urgently then you or your solicitor must communicate with the Registry to express the reasoning for an expedited registration.
Due to the encouragement of my in-laws I had a survey completed on a property in New Eltham prior to appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some lenders will refuse to give a mortgage on such a house.
It varies from the lender to lender. Lloyds has different instructions from Halifax. If you e-mail us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in New Eltham. Conveyancing may be slightly more expensive based on your lender's requirements.
How does one as executor remove a deceased person's details from the title deeds for a house in New Eltham?
If a New Eltham property is jointly owned and one of the proprietors dies, their name will not immediately be removed from the Land Registry title. It is not necessary to remove their name as when it comes to a disposal your lawyer would just be asked to evidence why the co proprietor is missing from the contract, such as the probate documents.
With the aim of making things smoother in the future you can apply to have the deceased person removed from the title register by submitting an application to HM Land Registry with proof of the death. There is no fee from the Registry for this service.