We were just about to sign contracts for a leasehold flat in Brent Cross. We encountered a stumbling block. Our mortgage offer with Lloyds TSB Bank expires on 6/2/2026 but the vendors are suggesting a completion date of 10/2/2026. Is it possible to prolong the loan expiry date?
The person best placed to address this concern is your lawyer who will calculate whether they better off negotiating with the mortgage broker, owner’s representatives, selling agents or indeed all parties given what has happend in your conveyancing as of today.
I am buying a property in Brent Cross. An unusual aspect is that the roof has a solar panel. RBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with RBS your lawyer must comply with the formal instructions set out in Section two of UK Finance Lenders’ Handbook for RBS. The CML Handbook includes minimum provisions for solar panel roof-space leases, and solicitors are required to report to RBS where a lease fails to comply with these specifications. The specifications relate to the installation of panels on properties in England and Wales and is not limited to Brent Cross.
I have today made my last payment due on my mortgage with TSB. I assume I don't need a Brent Cross lawyer on the TSB panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your TSB mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the TSB mortgage from the register. TSB, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
After shopping around on the internet I have found a Brent Cross conveyancing practitioner having checked that they are on the TSB conveyancing panel. Does my lawyer arrange the survey of the property?
TSB will need an independent valuation of the property. Your lawyer will not arrange this. Usually TSB will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Brent Cross surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Just had an offer accepted on a new build apartment in Brent Cross. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Brent Cross
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Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
I was advised by numerous property agents in Brent Cross to get a quote from a conveyancer on your site. Is there a financial advantage for Estate Agents to market your services ahead of alternative conveyancing organisations?
We don’t offer any financial incentive for pointing buyers and sellers our way. We thought it would be too underhand a fee as members of the public would think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.
As co-executor for the estate of my grandmother I am disposing of a residence in Cardiff but reside in Brent Cross. My lawyer (who is 200 kilometers from merequires that I execute a statutory declaration prior to the transaction finalising. Can you recommend a conveyancing practitioner in Brent Cross who can witness and place their company stamp on the document?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or solicitor will suffice regardless of whether they are based in Brent Cross
How much experience do your Brent Cross conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Brent Cross conveyancing lawyers help thousands of buyers move home every year and supported lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Brent Cross conveyancers have worked on recent similar matters.