Would the conveyancing solicitors revealed through your ’find a lawyer’ tool handle right to buy conveyancing in Ramsey?

We work with numerous conveyancing practitioners who can service right to buy transactions You should get in touch with us with a view to secure a conveyancing quote.

It is a dozen years since I bought my property in Ramsey. Conveyancing lawyers have recently been appointed on the sale but I can't track down my title documents. Will this jeopardise the sale?

Don’t worry too much. First there is a chance that the deeds will be kept by the mortgage company or they may be in the possession of the conveyancers who acted in your purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring up to date copy of the land registers. Almost all conveyancing in Ramsey relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.

I am helping my step-mother sell her property in Ramsey. Does the solicitor order the energy assessment or it is for the owner to see to?

Following the demise of Home Packs, EPC’s became a required component of moving house. An energy assessment should be to hand before the property is put on the market. It is not something that conveyancers ordinarily arrange. If you are instructing a Ramsey conveyancing lawyer they may help arrange EPC’s given their contacts with reputable local providers

Completion of my purchase has taken place for my property in Ramsey. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I recently had an offer agreed on an apartment in Ramsey. My mortgage broker suggested a conveyancer. I paid an on account payment of £150. Not long after, the lawyer contacted me sheepishly admitting that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

What will a local search reveal regarding the property I am buying in Ramsey?

Ramsey conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search organisations for example Xpress Legal The local search plays an important role in most Ramsey conveyancing purchase; as long as you don’t want any nasty surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject areas.

I have just started marketing my 2 bed apartment in Ramsey. Conveyancing lawyers have not yet been instructed, but I have just received a quarterly service charge demand – Do I pay up?

The sensible thing to do is discharge the invoice as normal as all rents and maintenance payments will be allotted on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

I am the registered owner of a 2 bed flat in Ramsey, conveyancing was carried out in 2002. Can you work out an approximate cost of a lease extension? Corresponding properties in Ramsey with a long lease are worth £255,000. The average or mid-range amount of ground rent is £45 charged once a year. The lease ends on 21st October 2096

With 73 years unexpired the likely cost is going to be between £8,600 and £9,800 as well as legals.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure without more detailed investigations. You should not use the figures in tribunal or court proceedings. There may be additional concerns that need to be considered and you obviously should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first seeking the advice of a professional.