This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Acrefair. Do I pick up the keys to the house on the completion date from my solicitor? If so, I will appoint a local conveyancing solicitor in Acrefair?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the owner’s solicitors, and once they have received this, you should be invited to receive the keys from the Estate Agents and move into your new home. Usually this occurs early afternoon.
My wife and I buying a terrace house in Acrefair. We would like to an extension at the rear at the property.Will the conveyancing process include checks to determine if these alterations were previously refused?
Your conveyancer should review the registered title as conveyancing in Acrefair will occasionally reveal restrictions in the title deeds which prevent categories of works or need the permission of another owner. Certain extensions require local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these things with a surveyor ahead of any purchase.
We have agreed to purchase a house in Acrefair. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Aldermore be concerned?
Given that you are obtaining a mortgage with Aldermore your lawyer must follow the conveyancing requirements contained in Section 2 of UK Finance Lenders’ Handbook for Aldermore. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and solicitors are required to report to Aldermore where a lease does not satisfy these requirements. The conditions relate to the installation of panels on properties nationwide and is not limited to Acrefair.
A colleague suggested that where I am buying in Acrefair I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually quoted for as part of the standard Acrefair conveyancing searches. It is not a small report of about 40 pages, listing and setting out important information about Acrefair around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information concerning Acrefair.
My wife and I own a terraced Victorian house in Acrefair. Conveyancing practitioner acted for me and Leeds Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the matching address. I'd like to know for sure, how can I find out??
You should review 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Acrefair and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with the conveyancing solicitor who conducted the work.
How does conveyancing in Acrefair differ for newly converted properties?
Most buyers of new build or newly converted property in Acrefair approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the house is constructed. This is because builders in Acrefair tend to buy the land, 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 property lawyers 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 accustomed to new build conveyancing in Acrefair or who has acted in the same development.
Due to the guidance of my in-laws I had a survey completed on a property in Acrefair before appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some lenders may not give a mortgage on a flying freehold property.
It depends who your proposed lender is. Lloyds has different instructions from Birmingham Midshires. Should you wish to call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Acrefair. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Acrefair to see if the conveyancing costs will increase in light of this.
How do I search for a Acrefair law firm on the Aldermore conveyancing panel? I have a car and am prepared to travel upto 25kilometers to meet the solicitor.
Feel free to make use of the search on this website. Please select a lender and your location and you will see a number of Acrefair conveyancing lawyers located nearest you. We have detailed some Acrefair conveyancing firms at the bottom of this page and you can contact them to verify whether they are on the Aldermore panel