Completed the sale of my flat in Caerphilly last November but my buyer keeps telephoning every few hours to say his conveyancer needs to hear from mine. What are the post completion sale legalities following completion?
After completion of your disposal your conveyancer should deliver the transfer documentation and all supplemental paperwork to the buyer’s lawyers. Depending on the transaction, your lawyer must also send confirmation that the mortgage has been paid off to the buyers conveyancers. There is unlikely to be post completion tasks just for conveyancing in Caerphilly.
I am currently in the process of buying my council flat in Caerphilly. I have a mortgage offer with RBS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
I have a mortgage with Nationwide for my property in Caerphilly. Conveyancing was finalised 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Nationwide?
Nationwide must be informed of your intention prior to letting out your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nationwide directly. You need not do this via a Nationwide conveyancing panel solicitor.
Planning on purchasing a flat in Caerphilly. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Nationwide conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Caerphilly conveyancing practitioner is on the Nationwide conveyancing panel.
Just bought a terraced house in Caerphilly , how long will it take for the Land Registry to record my title? My Caerphilly conveyancing solicitor has been very slow, so I want to be sure the registration formalities are addressed.
As far as conveyancing in Caerphilly is concerned, registration is no quicker or slower than anywhere else in the country. Rather than based on location, timeframes can vary according to the party submitting the application, whether there are errors and if the Land registry communicate with any 3rd parties. Currently in the region of three quarters of submission are fully addressed within two weeks but some can be subject to protracted delays. Historically registration takes place once the purchaser has moved in to the premises thus registration formalities is not usually primary concern yet if there is a degree of urgency associated with the registration then you or your solicitor should speak with the land registry and explain the circumstances.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a simple, chain free conveyancing. Caerphilly is the location of the property. Can you shed any light on this issue?
Flying freeholds in Caerphilly are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Caerphilly you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Caerphilly may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
How do I use your search app to locate a conveyancing solicitor in Caerphilly on the approved list for my mortgage?
First pick a bank such as Barclays , The Mortgage Works or TSB then type in your location e.g. Caerphilly. Conveyancing practices in Caerphilly and nationally will then be listed.
I am looking for a conveyancing practitioner in Caerphilly for my house move. Can I review a solicitor's complaints history with the legal regulator?
Members of the public can search for documented Solicitor Regulator Association (SRA) decisions resulting from investigations commenced on or after 1 January 2008. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The SRA could recorded call for training reasons.