My husband and I are nearing an exchange on a house in Pentre Halkyn and my mum and dad have sent the ten percent deposit to my conveyancing practitioner. I am now informed that as the deposit has been sent from someone other than me my conveyancer needs to make a notification to my bank. Apparently, in also acting for the bank he must advise them that the balance of the purchase price is not just from me. I disclosed to the bank concerning my parents' contribution when I applied for the home loan, so is it really necessary for this now to delay the deal?
The solicitor is obliged to clarify with the bank to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only reveal this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
This question may be naive but I am unexperienced as FTB of a two bedroom flat in Pentre Halkyn. Do I pick up the keys to the property on the completion date from my conveyancer? If so, I will use a High Street conveyancing solicitor in Pentre Halkyn?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the owner’s lawyers, and once they have received this, you will be invited to collect the keys from the property Agents and start moving into the property. This tends to happen early afternoon.
I am purchasing a property in Pentre Halkyn. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Leeds Building Society be concerned?
As your lender is Leeds Building Society your lawyer must follow the conveyancing requirements outlined in Part two of UK Finance Lenders’ Handbook for Leeds Building Society. The CML Handbook contains minimum specifications for solar panel roof-space leases, and property lawyers are required to report to Leeds Building Society where a lease does not comply with these requirements. The specifications relate to the installation of panels on properties nationwide and is not isolated to Pentre Halkyn.
Kent Reliance have agreed my home loan in principle, my bid on a property in Pentre Halkyn has been agreed to, now what?
The estate agent will want to be advised as to your lawyer's details (ensure that the lawyers are on the bank’s approved list). Contact Kent Reliance or your broker and finalise any appropriate forms. Kent Reliance will appoint a valuer who will get in touch with the estate agent or seller to schedule an appointment. Once carried out (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Kent Reliance will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Pentre Halkyn.
My wife and I have a 4 bedroom Victorian house in Pentre Halkyn. Conveyancing lawyer acted for me and Bank of Ireland. I did a free Land Registry search last week and I saw two entries: the first freehold, the second leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You need to assess 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Pentre Halkyn and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing solicitor who conducted the work.
In my capacity as executor for the estate of my uncle I am selling a property in Swansea but live in Pentre Halkyn. My solicitor (based 260 miles from merequires that I sign a statutory declaration prior to completion. Can you recommend a conveyancing solicitor in Pentre Halkyn who can witness this legal document for me?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will suffice regardless of whether they are based in Pentre Halkyn
Are all Pentre Halkyn solicitors on every lender conveyancing panel?
The Lexsure search tool on this page may be of use or you can go into your high street lender branch in Pentre Halkyn. Chances are that they will know some good conveyancing solicitors in Pentre Halkyn