Is there a reason to appoint a Bourne conveyancing company given that national alternatives are easier on the wallet?
Its a good idea to contrast conveyancing costs in Bourne and you should seek an affordable estimate but don’t be focused with scouring the internet for the lowest priced Bourne conveyancer. Finding the right conveyancer can mark the distinction between a smooth and a stressful home move. You need to ensure that you have expert advice from an experienced lawyer. An e-mail can never be as helpful as a telephone discussion and are no substitute for a face to face meeting. Our partner firms will appoint you a qualified and trusted conveyancing solicitor who can tackle your conveyancing from beginning to end, providing a level of hand holding that you will never get with an internet conveyancer. Our lawyers will update you as to progress making sure that you are ensuring that you are updated at regular intervals. Should it ever be necessary to call the office you will know who you need to speak to and we'll be sure you're not left wondering what's going on.
I am the registered owner of a freehold residence in Bourne but still charged rent, why is this and what is this?
It’s unusual for properties in Bourne and has limited impact for conveyancing in Bourne but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the generation of new rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.
I am assisting my mother sell her flat in Bourne. Does the conveyancer arrange the EPC or should I organise this?
Following the abolition of HIPs, energy assessments became a required component of selling a house. An energy performance certificate must be to hand in advance of the property being advertised. This is not something that law firms normally organise. If you are instructing a Bourne conveyancing practitioner they might help arrange energy assessments due to their relationships with reputable local accredited person
I happen to be the sole recipient of my late father’s estate with all property in now in my sole name, including the my former home in Bourne. The Bourne property was put into my name in October. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', meaning my property ownership may be considered the same way as if I'd bought the house in October. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. How practical a view lenders take of it, depend on the mortgage company as this obligation primarily exists to pick up on the purchase and immediately sell or the quick reselling of property.
I am selling my flat. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Aldermore are being pedantic. The Bourne solicitor who is on the Aldermore conveyancing panel is recommending indemnity insurance as a solution but Aldermore are insisting on a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I opted to have a survey completed on a house in Bourne before retaining lawyers. I have been told that there is a flying freehold overhang to the house. The surveyor has said that some banks will not grant a mortgage on such a home.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. If you contact us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bourne. Conveyancing may be slightly more expensive based on your lender's requirements.
Is it simple use your search facility to select a conveyancing lawyer in Bourne on the panel for my lender?
1st pick a bank such as Nationwide Building Society, Bank of Scotland or Britannia then type in your preferred area a common one being Bourne. Conveyancing organisations in Bourne and beyond should be identified.
Should I appoint a Bourne conveyancing solicitor who is local to the property I am purchasing? We have a good friend who can execute the legal work but his firm is located 400miles away.
The primary upside of using a local Bourne conveyancing practice is that you can attend the office to sign documents, deliver your identification documents and pester them where appropriate. Having local Bourne know how is a bonus. However nothing is more important than finding someone that will pull out all the stops for you. If you know people who used your friend and they were happy that should surpass using an unknown Bourne conveyancing lawyer just because they are based in the area.