Are the Onslow Village conveyancing solicitors identified as being on the Co-operative conveyancing panel, together with their details provided by Co-operative?
Onslow Village conveyancing firms themselves provide us confirmation that they are on the Co-operative conveyancing panel as opposed to being supplied with a list from Co-operative directly.
This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Onslow Village. Do I receive the keys to the house on completion from my lawyer? If so, I will instruct a local conveyancing solicitor in Onslow Village?
On the day of completion you will not be required to go to the conveyancers office in Onslow Village. Conveyancing lawyers for you will transfer the completion advance to the owner’s solicitors, and once they have received this, you should be invited to collect the keys from the Estate Agents and move into your new home. This tends to happen early afternoon.
I am currently in the process of buying my council flat in Onslow Village. I have a mortgage offer with TSB. Conveyancing is not something I have any knowledge of. 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 TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
I am due to exchange contracts on my house. I had a double glazing fitted in February 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, TSB are being a right pain. The Onslow Village solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are insisting on a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
How does conveyancing in Onslow Village differ for newly converted properties?
Most buyers of new build property in Onslow Village contact us having been asked by the builder to sign contracts and commit to the purchase even before the residence is constructed. This is because new home sellers in Onslow Village tend to purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Onslow Village or who has acted in the same development.
Is it possible to switch firm as I need to retain a firm on the The Royal Bank of Scotland conveyancing list. I hired a local conveyancing solicitor in Onslow Village round the corner but she is not approved by The Royal Bank of Scotland
We will our best to assist in finding you a conveyancing solicitor in Onslow Village on the The Royal Bank of Scotland panel. Please note that the property lawyers that we work with do not pay us a referral fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Onslow Village. In utilising the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Onslow Village.
I've recently bought a leasehold property in Onslow Village. Am I liable to pay service charges for periods before my ownership?
Where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Onslow Village Leasehold Conveyancing - Sample of Queries Prior to Purchasing
Who are the managing agents? The prefered form of lease structure is if the freehold reversion is in the ownership of the leaseholders. In this arrangement the leaseholders have control and even though a managing agent is frequently employed where the building is larger than a house conversion, the managing agent retained by the leaseholders. How many of the leaseholders are in arrears for their maintenance charge payments?