Some advice if I may. My Rawdon and Yeadon conveyancer is advising me that she is duty bound toapply for Rawdon and Yeadon conveyancing searches becausethe firm are on the Nat Westsolicitor panel. Is my lawyer correct?
You have limited options available to you. Given that you are taking out a loan with a mortgage company your property lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to comply with the Council of Mortgage Lenders’ Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Rawdon and Yeadon conveyancing searches.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Rawdon and Yeadon?
There are many registered licenced Conveyancers in Rawdon and Yeadon and Solicitor firms in Rawdon and Yeadon who can help with your conveyancing It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal work in the home buying process. Both can deal with other property legal work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.
I'm the single recipient of my late mum's estate with all property in now in my sole name, including the house in Rawdon and Yeadon. The Rawdon and Yeadon property was put into my name in March. I plan to dispose of the house. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership could be considered the same way as if I'd bought the property in March. Do I have to wait 6 months to sell?
The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. How practical a view mortgage companies take of it, depend on the lender as this obligation is chiefly there to capture the purchase and immediately sell or the quick reselling of property.
After shopping around on the internet I have found a Rawdon and Yeadon solicitor having checked that they are on the Bank of Ireland conveyancing panel. Does my lawyer arrange the survey of the property?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Rawdon and Yeadon postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Rawdon and Yeadon.
The deeds to our property are lost. The conveyancers who did the conveyancing in Rawdon and Yeadon 5 years ago no longer exist. Will I be able to sell the house?
As long as you have a registered title the information relating to your ownership will be held by the Land Registry with a Title Number. It is possible to execute a search at the Land Registry, identify your house and get up to date copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will usually retain a certified copy of the Registered Lease and again, a copy can be retrieved for twenty pounds.
Just had an offer accepted on a new build apartment in Rawdon and Yeadon. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below are examples of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Rawdon and Yeadon
The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please supply a car parking plan. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.
I opted to have a survey done on a house in Rawdon and Yeadon prior to retaining conveyancers. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies may not give a loan on a flying freehold home.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Halifax. If you e-mail us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Rawdon and Yeadon. Conveyancing will be smoother if you use a solicitor in Rawdon and Yeadon especially if they regularly deal with such properties in Rawdon and Yeadon.