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Recently asked questions about conveyancing in Ramsey

We are planning to move home in March. Should my conveyancing solicitor update the removal company on the day of completion. Incidentally, can you suggest a removal company in Ramsey. Conveyancing firm was organised before I stumbled across this website.

On the afternoon of completion you can collect the keys from your property agent but this should only occur after the sellers solicitors advise the agent that the monies to complete are in and the keys can be collected. You should advise the removal men that they can start moving you in. As a matter of policy we do not recommend a particular removal organisation but can help you choose a residential property solicitor in Ramsey or a lawyer that specialises in conveyancing in Ramsey.

RBS have agreed my home loan in principle, my bid on a apartment in Ramsey has been accepted, what are the next steps?

The property agent will want to know who your solicitors are (ensure that the lawyers are on the lender’s panel). Telephone RBS or the broker and finalise any appropriate documentation. RBS will instruct a valuer who will get in touch with the estate agent or vendor to schedule a slot for the valuation to happen. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. RBS will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Ramsey.

My sealed bid on a property in Ramsey has been accepted, but there is a chain. The owners have offered on a flat, but it’s not yet agreed to, and have viewings of other flats in the pipeline. I have chosen a bricks and mortar conveyancing solicitor in Ramsey. What should be my next step? At what point do I apply for the mortgage with Nationwide?

It is understandable to have anxieties where there is a chain as you are unlikely to want to incur costs too early (mortgage application is in the region of one thousand pounds, then survey, Ramsey conveyancing search fees, etc). The first course of action is to ensure that your conveyancer is on the Nationwide conveyancing panel. As to the subsequent phase this very much dictated by the specifics of your case, attraction to this property and on the state of the market. In a hot market the majority of home buyers will apply for a home loan with Nationwide and pay for the valuation and only if it was satisfactory would they request their conveyancer to move forward with searches.

The deeds to my home are lost. The lawyers who conducted the conveyancing in Ramsey 5 years ago no longer exist. What do I do?

Nowadays there are duplicates made of almost everything, and your conveyancer should be aware precisely where to look for all the relevant documentation so you can purchase or sell your house without any difficulty. Where copies are not available, your lawyer can put in place insurance or indemnities against future claims on your premises.

My husband and I are FTB’s - agreed a price, yet the selling agent informed us that the owners will only move forward if we use the agent's chosen conveyancers as they need an ‘expedited deal’. Our preferred option is to instruct a high street conveyancer used to conveyancing in Ramsey

We suspect that the seller is unaware of this demand. If they desire ‘a quick sale', turning down a serious buyer is counter productive. Speak to the owners direct and make sure they understand (a)you are serious buyers (b)you are ready to go, with finances in place © you are unencumbered (d) you wish to move quickly (e)however you intend to instruct your preferred Ramsey conveyancing lawyers - as opposed tothose that will earn their negotiator at the agency a referral fee or achieve conveyancing figures demanded by senior management.

Do you have any advice for leasehold conveyancing in Ramsey with the purpose of speeding up the sale process?

  • A significant proportion of the delay in leasehold conveyancing in Ramsey can be avoided if you instruct lawyers as soon as your agents start marketing the property and ask them to put together the leasehold information which will be required by the purchasers’ solicitors.
  • If you are supposed to have a share in the Management Company, you should ensure that you are holding the original share certificate. Arranging a re-issued share certificate can be a time consuming process and frustrates many a Ramsey conveyancing deal. Where a reissued share certificate is necessary, you should approach the company director and secretary or managing agents (where applicable) for this sooner rather than later. If you have had conflict with your landlord or managing agents it is essential that these are settled before the property is put on the market. The purchasers and their solicitors will be reluctant to purchase a property where there is an ongoing dispute. You may need to swallow your pride and discharge any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose details of the dispute to the buyers, but it is better to present the dispute as historic as opposed to ongoing. In the event that you altered the property did you need the Landlord’s permission? In particular have you laid down wooden flooring? Ramsey leases often stipulate that internal structural changes or laying down wooden flooring necessitate a licence issued by the Landlord approving such changes. Should you fail to have the approvals to hand do not contact the landlord without checking with your lawyer before hand.

I own a garden flat in Ramsey, conveyancing having been completed in 2004. Can you please calculate a probable premium for a statutory lease extension? Comparable properties in Ramsey with over 90 years remaining are worth £176,000. The average or mid-range amount of ground rent is £50 invoiced annually. The lease runs out on 21st October 2068

With 50 years left to run we estimate the premium for your lease extension to span between £31,400 and £36,200 plus professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide a more accurate figure without more detailed due diligence. Do not use this information in a Notice of Claim or as an informal offer. There may be other concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not move forward based on this information without first getting professional advice.

My intention is to purchase a garden flat in Ramsey. Conveyancing solicitor is awaiting, from the owner, building insurance schedule. Earlier today I was advised that the seller needs to send the insurance schedule for the flat above as well. Why would my lawyer need to review the insurance for the flat above? Is it strictly necessary? We have been stalled for the last fortnight…

It is not impossible in leasehold conveyancing in Ramsey to discover Conveyancing in Ramsey in a minority of cases reveals that the lease requires the tenant's to insure their individual flats as opposed to the freeholder insuring the whole building - which is definitely better. You should contact your conveyancer but it would seem that your lawyer is looking to verify that the complete building is insured. Insuring a ground floor apartment is no help when it comes to rebuilding after a fire if the other flat cannot be rebuilt due to lack of insurance.

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