My husband and I are at the point of viewing flats in Ovingham and I am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with TSB.
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. Given that you are seeking a mortgage with TSB, make sure you remember to check that your lawyer is on the TSB conveyancing panel.
I have decided to exercise my right to buy my property in Ovingham off the council. I have a mortgage agreed with Principality. 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 have 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 Principality, you will need to appoint a solicitor on the Principality conveyancing panel.
I am selling my house. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, RBS are being pedantic. The Ovingham solicitor who is on the RBS conveyancing panel is saying indemnity insurance will be fine but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS 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.
We are intent on selling our house in Ovingham and the buyers lawyers are claiming that there is a possibility that the property was built on contaminated land. A high street Ovingham lawyer would know that there is no such problem. It does beg the question why the purchasers instructed an online conveyancing practice rather than a conveyancing solicitor in Ovingham. We have lived in Ovingham for many years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek clarification that there is no issue.
It sounds as though you may have a conveyancing solicitor already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
I own a semi-detached Victorian house in Ovingham. Conveyancing practitioner represented me and Barclays . I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold under the exact same address. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ovingham and other locations in the country and poses no real issues for owners other than when they remortgage 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 completed the work.
Due to the advice of my in-laws I had a survey completed on a house in Ovingham prior to appointing conveyancers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some mortgage companies tend refuse to give a mortgage on this type of house.
It varies from the lender to lender. HSBC has different instructions from Halifax. If you e-mail us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ovingham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ovingham to see if the conveyancing costs will increase in light of this.
How does the Landlord & Tenant Act 1954 impact my commercial premises in Ovingham and how can you help?
The 1954 Act provides a safeguard to commercial leaseholders, granting the dueness to apply to court for a renewal lease and continue in occupation when the lease comes to an end. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing practices who use the act to your advantage and help with commercial conveyancing in Ovingham