My uncle passed away 10 months ago and as sole heir and executor I was left the house in Sutton Coldfield. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Santander, pay off the mortgage. Is this possible?
If you intend to re-mortgage then Santander will insist on your using a conveyancer on the Santander conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Santander conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Santander mortgage is registered as a charge at the Land Registry.
I am downsizing from our home in Sutton Coldfield and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A local conveyancer would know that there is no such problem. For the life of me I don't know why the buyers are using an internet conveyancing firm rather than a conveyancing solicitor in Sutton Coldfield. We have lived in Sutton Coldfield for 5 years we know of no issue. Do we get in touch with our local Authority to seek confirmation that the buyers are looking for.
It would appear that you have a conveyancing lawyer currently acting for you. What do they say? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I opted to have a survey carried out on a property in Sutton Coldfield ahead of appointing conveyancers. I have been advised that there is a flying freehold aspect to the property. Our surveyor has said that some lenders will refuse to give a mortgage on this type of premises.
It depends who your proposed lender is. Santander has different requirements for example to Halifax. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Sutton Coldfield. Conveyancing may be slightly more expensive based on your lender's requirements.
I have been recommended by numerous estate agents in Sutton Coldfield to get a quote from a conveyancer on your site. Is there a financial inducement for Estate Agents to promote your services rather than another?
We don’t give any commission for sending work our way. We thought it would be too underhand a fee as home movers will think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
In scouring the internet for the words on line conveyancing in Sutton Coldfield it reveals numerous solicitorsin the area. How do I determine which is the right conveyancing solicitor for the sale of my house?
The best way of seeking the right conveyancer is via trusted testimonial, so seek the guidance of friends and those you trust who have acquired a property in Sutton Coldfield or the respected estate agent or mortgage broker. Costs for conveyancing in Sutton Coldfield vary, so it's advisable to obtain a minimum of three fee estimates from different conveyancers. Dont forget to clarify that the fees are fixed.