My father informed me that in buying a property in Staffordshire there may be a number of restrictions affecting the ability to carry out external changes to the property. Is this right?
There are anumerous of properties in Staffordshire which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Staffordshire should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am the only beneficiary of my late mum's will with all property in now in my sole name, including the house in Staffordshire. The Staffordshire property was put into my name in October. I plan to dispose of the house. I understand that there is a CML 6 month 'rule', which means that my proprietorship may be regarded the same way as if I'd bought the property in October. Is the property unsalable for six months?
The CML handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be caught by that. Most mortgage companies would take a pragmatic view as this requirement is primarily there to identify the purchase and immediately sell or the quick reselling of properties.
Are all Staffordshire Conveyancing Quality Solicitors on the Kent Reliance conveyancing panel?
A selection of lenders now utilise the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their approved list of conveyancing solicitors.
I own a terraced Edwardian property in Staffordshire. Conveyancing practitioner acted for me and Santander. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same address. Is it worth asking Santander to clarify?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Staffordshire and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with your conveyancing solicitor who conducted the conveyancing.
Due to the encouragement of my in-laws I had a survey completed on a house in Staffordshire prior to instructing lawyers. I have been advised that there is a flying freehold element to the property. Our surveyor has said that some banks may refuse to grant a mortgage on a flying freehold home.
It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Staffordshire. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Staffordshire to see if the conveyancing costs will increase in light of this.
I am downsizing from my home. My previous lawyers have shut. It would be helpful to have a recommendation of a conveyancing firm. Im based in Staffordshire if that makes a difference.
Do use our search tool to help you choose a solicitor for your conveyancing in Staffordshire. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes smoothly.
We are a fortnight into a residential purchase having been directed to conveyancers by the local agent to execute conveyancing in Staffordshire. I am not happy. Can you you assist me in finding new solicitors?
They would need to be really bad to suggest replacing them. Has the loan offer been generated? If so you must advise them of the new lawyer and have the offer are issued to the new lawyers. Your new conveyancer needs to be on the banks approved list to avoid escalating charges and complications. So that should be your starting point. Our find a solicitor tool will help you find a lender approved solicitor for your home move in Staffordshire