Do I find a Licenced Conveyancer or Solicitor for conveyancing in Redruth?
There are many registered licenced Conveyancers in Redruth and Solicitor firms in Redruth 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 associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
We have agreed to purchase a house in Redruth. A rare aspect is that the roof has a solar panel. TSB have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is TSB your lawyer must follow the conveyancing instructions contained in Part two of UK Finance Lenders’ Handbook for TSB. The CML Handbook contains minimum requirements for solar panel roof-space leases, and conveyancers are required to report to TSB where a lease does not comply with these conditions. The specifications relate to the installation of panels on properties in England and Wales and is not isolated to Redruth.
We expect to receive a OIP from Bank of Ireland this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Redruth solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?
You will need to appoint Redruth solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
Do I need to pay for insurance to cover chancel repairs when acquiring a house in Redruth?
Unless a prior purchase of the premises completed after 12 October 2013 you could take it that solicitors delivering conveyancing in Redruth to remain encouraging a chancel search and or insurance against a claim.
My wife and I purchased a 4 bedroom Victorian property in Redruth. Conveyancing lawyer acted for me and Britannia. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold under the exact same property. 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 as there may be 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 Redruth 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 buyers. You can also enquire as to the position with your conveyancing solicitor who carried out the work.
I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Redruth is where the house is located. Can you shed any light on this issue?
Flying freeholds in Redruth are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Redruth you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Redruth may determine 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.
My brother has encouraged me to appoint his lawyers for conveyancing in Redruth. Do I take his advice?
Much as we are happy to recommend a Redruth conveyancing lawyer it’s preferable to choose a conveyancing solicitor is to have recommendations from friends or relatives who have used the conveyancer you're considering.