Can you point me to a directory of Santander panel solicitors in Redland on the UK Finance Lenders’ Handbook Website?
No. There is no such directory service on the CML or Building Society Association sites. A small selection of lenders make their panel listings viewable over the internet. If you are seeking to appoint a Redland conveyancer on the Santander please use our facility.
I have paid off my mortgage with Leeds Building Society. I assume I don't need a Redland conveyancing practitioner on the Leeds Building Society panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Leeds Building Society mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Leeds Building Society mortgage from the register. Leeds Building Society, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Leeds Building Society has sent the Land Registry the discharge electronically, and
- Leeds Building Society has instructed the Land Registry to do so
I currently have a mortgage with Skipton for my property in Redland. Conveyancing was finalised 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Skipton?
You must advise Skipton in advance of renting your property as this is likely to be a breach of Skipton’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Skipton directly. It should not be necessary to do this via a Skipton conveyancing panel lawyer.
I have been told that property searches are the main cause of stalling in Redland house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) published determinations of research by MoveWithUs that conveyancing searches do not feature within the top 10 causes of delays in the conveyancing process. Local searches are unlikely to feature in any slowing down conveyancing in Redland.
I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a straight forward, chain free conveyancing. Redland is where the house is located. Can you offer any advice?
Flying freeholds in Redland are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Redland you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Redland may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
What makes your site different to alternative internet conveyancing solicitors when it comes to conveyancing in Redland?
At this site get a fixed fee costs illustration via a Solicitor or Licensed Conveyancer that has a full understanding of the issues of your conveyancing in Redland. As opposed to estate agents and many comparison sites we do not charge firms a fee if you appoint them for your property ownership legalities in Redland
Can you offer any advice when it comes to finding a Redland conveyancing firm to deal with our lease extension?
If you are instructing a conveyancer for your lease extension (regardless if they are a Redland conveyancing practice) it is imperative that they be familiar with the legislation and specialises in this area of conveyancing. We advise that you talk with two or three firms including non Redland conveyancing practices before you instructing a firm. Where the conveyancing practice is ALEP accredited then that’s a bonus. The following questions might be useful:
Can they put you in touch with clients in Redland who can give a testimonial? What volume of lease extensions have they completed in Redland in the last twenty four months?
Redland Conveyancing for Leasehold Flats - Sample of Queries before Purchasing
You should want to discover as much as possible concerning the managing agents as they will affect your use and enjoyment of the property. As the owner of a leasehold property you are frequently in the clutches of the managing agents from a financial perspective and when it comes to day to day matters like the upkeep of the communal areas. Ask other people what they think of their management. Finally, be sure you discover the dates that the maintenance fees are due to the appropriate party and specifically what you get for your money. The answer will be helpful as a) areas could cause problems in the block as the common areas may start to deteriorate if maintenance remain unpaid b) if the tenants have an issue with the managing agents you will wish to have complete disclosure