We are purchasing a detached bungalow in Walsall. The intention is to convert the garage to an office at the house.Will the conveyancing process involve investigations to determine if these alterations are permitted?
Your property lawyer should review the deeds as conveyancing in Walsall can occasionally reveal restrictions in the title deeds which prevent certain alterations or require the permission of a 3rd party. Some additions call for local authority planning consent and approval in compliance with building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
Two weeks ago we had a mortgage agreed in principle with TSB. Walsall conveyancing solicitors are selected. What is the average time that one could expect to receive a mortgage offer from TSB?
There is no definitive answer here. Have TSB done the survey? Have you informed TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
After months of negotiation I have agreed a price on a house in Walsall. My mortgage broker suggested a conveyancer. I paid an upfront payment of £150. A couple of days later, the conveyancing practitioner called me to say that they were not on the Principality conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Principality panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I have justbecome aware that Action Conveyancing have been shut down. They carried out my conveyancing in Walsall for a purchase of a freehold house 12 months ago. How can I establish that my home is in my name in the name of the previous owner?
The easiest way to see if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Walsall conveyancing specialists.
How does conveyancing in Walsall differ for new build properties?
Most buyers of new build or newly converted property in Walsall approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because developers in Walsall usually acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Walsall or who has acted in the same development.
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a straight forward, chain free conveyancing. Walsall is where the house is located. Can you shed any light on this issue?
Flying freeholds in Walsall are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Walsall 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 Walsall 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 property.
I'm remortgaging my existing property to a BTL loan with Halifax and I will use the ballance of the raised equity towards further house. The area we are interested in is Walsall. Will your lawyers be able to act for the two lenders and tie in the conveyances?
Make use of our comparison tool on this page to be sure that the lawyers are approved by both mortgage companies. Assuming that they are your lawyer will be able to tie up the two transactions but you should talk with you conveyancer and communicate your desired outcome and needs.