As someone not used to conveyancing in Birmingham what is your top tip you can give me for the ownership transfer in Birmingham
You may not hear this from too many lawyers but conveyancing in Birmingham and elsewhere in England and Wales is often a confrontational experience. In other words, when it comes to conveyancing there exists lots of room for conflict between you and other parties involved in the house moving process. For example, the vendor, selling agent and even potentially a bank. Selecting a law firm for your conveyancing in Birmingham should not be taken lightly as your conveyancer is your adviser, and is the ONE party in the transaction whose responsibility is to protect your best interests and to keep you safe.
Sometimes a potential adversary may try and persuade you that it is in your interests to do things their way. For example, the estate agent may claim to be assisting by suggesting your lawyer is slow. Or your financial adviser may advise you to do take action that is contrary to your lawyers recommendation. You should always trust your lawyer above all other parties in the conveyancing process.
I am intent on selling our property in Birmingham and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. Any local lawyer would know that there is no such problem. For the life of me I don't know why the buyers used a national conveyancing firm as opposed to a conveyancing solicitor in Birmingham. We have lived in Birmingham for 5 years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing solicitor currently acting for you. Are they able to advise? You must check with 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 sickness)
My wife and I own a 4 bedroom Edwardian property in Birmingham. Conveyancing lawyer acted for me and Platform Home Loans Ltd. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold with the exact same address. Is it worth asking Platform Home Loans Ltd to clarify?
You need to read 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Birmingham 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 purchasers. You can also question the position with your conveyancing practitioner who conducted the conveyancing.
I am purchasing a new build house in Birmingham with the aid of help to buy. The developers refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not disclose to my solicitor about the extras as it will jeopardize my mortgage with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer 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.
I opted to have a survey completed on a house in Birmingham before instructing lawyers. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies will refuse to issue a mortgage on this type of house.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Birmingham. Conveyancing will be smoother if you use a solicitor in Birmingham especially if they are accustomed to such properties in Birmingham.
How much experience do your Birmingham conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Birmingham conveyancing lawyers help thousands of people move home every year and supported plenty of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Birmingham conveyancers have worked on recent similar cases.