I happen to be the single recipient of my late mum's will and I have everything in my name now, including the my former home in Calne. Conveyancing formalities meant that the Land Registry date was in October. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership could be regarded the same way as if I'd bought the property in October. Do I have to wait 6 months to sell?
The CML handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. How sensible a view mortgage companies take of it, depend on the bank as this provision chiefly exists to identify subsales or the wholesaling and assigning of property.
We previously instructed conveyancers located in Calne on the Santander solicitor approved list. They are now charging me a further charge for dealing with the Santander mortgage. Is this an additional conveyancing fee specified by Santander?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your lawyer can charge a fee for this. The charge is not set by Santander but by your Calne conveyancing practitioner. Numerous firms on the Santander panel will quote an ‘acting for lender’ fee and others do not.
I'm in the process of viewing apartments in Calne and I am about to put in an offer. Is it premature to have a solicitor in place? I am planning to take a mortgage with Leeds Building Society.
It would be sensible to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the estate agent. As you are obtaining a mortgage with Leeds Building Society, ask your prospective lawyers if they are on the Leeds Building Society conveyancing panel otherwise they can't do the mortgage legal work.
A colleague advised me that if I am purchasing in Calne I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is usually quoted for as part of the standard Calne conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Calne around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Calne Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful information about Calne.
How does conveyancing in Calne differ for newly converted properties?
Most buyers of new build premises in Calne come to us having been asked by the builder to sign contracts and commit to the purchase even before the house is finished. This is because new home sellers in Calne tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Calne or who has acted in the same development.
How do I use the search app to get a costs illustration from a conveyancing solicitor in Calne on the authorised to act for my bank?
1st pick a bank such as Santander, The Royal Bank of Scotland or Nottingham Building Society then specify your preferred area for instance Calne. Conveyancing firms in Calne and nationally should be listed.
Back In 2001, I bought a leasehold house in Calne. Conveyancing and The Mortgage Works mortgage are in place. A letter has just been received from someone claiming to own the freehold. Attached was a ground rent demand for rent dating back to 1998. The conveyancing solicitor in Calne who previously acted has long since retired. Any advice?
The first thing you should do is make enquiries of the Land Registry to make sure that the individual purporting to own the freehold is in fact the registered owner of the freehold reversion. You do not need to instruct a Calne conveyancing practitioner to do this as you can do this on the Land Registry website for less than a fiver. You should note that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Calne Leasehold Conveyancing - Sample of Questions you should consider Prior to buying
-
What is the name of the managing agents? Are any of leasehold owners in dispute over their service charge payments? Be sure to enquire if there are any onerous prohibitions in the lease. By way of example it is fairly common in Calne leases that pets are not permitted in in a block in Calne. If you love the apartmentin Calne yet your cat can’t make the move with you then you will be faced difficult determination.
I see that you have a search directory identifying firms on the lender conveyancing panel. Do Calne conveyancing companies pay you a commission if I retain them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Calne.