My aunt passed away six months ago and as sole heir and executor I was left the property in Appleton. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Nationwide, pay off the mortgage. Is this possible?
If you plan to re-mortgage then Nationwide will insist on your using a conveyancer on the Nationwide 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 Nationwide 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 Nationwide mortgage is registered as a charge at the Land Registry.
Forgive me if this question is silly but I am wet behind the ears as FTB of a ground floor flat in Appleton. Do I receive the keys to the property on completion from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Appleton?
On the day of completion you will not be required to attend the conveyancers office in Appleton. Your solicitors will transfer the purchase money to the owner’s solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the selling Agents and move into your new home. Usually this happens between 1 and 3pm.
We are planning to move house in August. Will my conveyancing solicitor liaise with the removal company on the completion day. Incidentally, can you put forward a removal company in Appleton. Conveyancing solicitor was chosen before I stumbled across this website.
On the day of completion you will need to collect the house keys from your selling agent but this should only occur after the sellers conveyancers advise the agent that they have the completion monies and the keys can be given over. After that you will need to tell the removal company that you are ready to move in. We do not recommend a specific removal organisation but can help you find a residential property solicitor in Appleton or a lawyer with expertise in conveyancing in Appleton.
We have agreed to purchase a house in Appleton. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Co-operative be concerned?
As you are obtaining a mortgage with Co-operative your lawyer must check the formal instructions set out in Part two of UK Finance Lenders’ Handbook for Co-operative. The Council of Mortgage Lenders’ Handbook stipulates minimum conditions for solar panel roof-space leases, and conveyancing practitioners are required to report to Co-operative where a lease does not satisfy these specifications. The requirements relate to the installation of panels on properties in England and Wales and is not limited to Appleton.
I'm purchasing my first flat in Appleton benefiting from help to buy. The builders would not reduce the price so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not to tell my conveyancer about the deal as it could affect my loan with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Over the last few months I have been searching for a ground for flat up to £245,000 and identified one round the corner in Appleton I like with amenity areas and station nearby, the downside is that it's only got 49 years unexpired on the lease. I can't really find anything else in Appleton for this price, so just wondered if I would be making a mistake acquiring a short lease?
Should you need a mortgage the remaining unexpired lease term will be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least 2 years you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this.
Given that I am about to part with hundreds of thousands of pounds on a two bedroom apartment in Appleton I wish to have a conversation with the solicitor about myhouse move ahead of instructing the firm. Can this be arranged?
Absolutely - we would be happy to talk to you we do not take any clients on without you first talking to the solicitor who will be doing your property ownership legalities in Appleton.There is no ‘factory style conveyancing’ - each client is unique individual, not a file number. The practices that we put you in touch with believe that the figure you are quoted for your conveyancing in Appleton should be the amount on the final invoice that you end up paying.
I have just started marketing my basement apartment in Appleton.Conveyancing solicitors are to be appointed soon but I have recently received a half-yearly service charge invoice – Do I pay up?
The sensible thing to do is pay the maintenance contribution as you normally would as all rents and maintenance invoices will be apportionedon completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process