It is is a decade since I acquired my home in Caterham. Conveyancing lawyers have recently been retained on the sale but I am unable to find my title documents. Will this cause complications?
Don’t worry too much. First there is a chance that the deeds will be kept by your mortgage company or they may be in the possession of the conveyancers who handled your purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Caterham involves registered property but in the unlikely event that your home is not registered it is more problematic but is resolvable.
We just had an offer accepted to purchase with Darlington Building Society. I popped in a couple of local practices yet cant to find a Caterham conveyancing firm on the Darlington Building Society panel. Could you assist?
Feel free to make use of the search tool on this site. Please choose the building society and type Caterham or your preferred area and you will be presented with a number of lawyer located in Caterham or by proximity to you.
I am expecting a DIP from Leeds Building Society this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Leeds Building Society recommend any Caterham solicitors on the Leeds Building Society conveyancing panel, or is it better to go independently?
You will need to appoint Caterham solicitors independently although you'll need to choose one on the Leeds Building Society conveyancing panel. The solicitor represents both you and Leeds Building Society through the process.
I have paid off my mortgage with Santander. I assume I don't need a Caterham lawyer on the Santander panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Santander 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 Santander mortgage from the register. Santander, 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 Santander has sent the Land Registry the discharge electronically, and
- Santander has instructed the Land Registry to do so
About to purchase apartment in Caterham. 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 Leeds Building Society 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 Caterham property lawyer is on the Leeds Building Society conveyancing panel.
Is there anything unique about your site and other internet conveyancing solicitors when it comes to conveyancing in Caterham?
At this site receive an accurate costs illustration from a Solicitor or Licensed Conveyancer that appreciates the issues of your conveyancing in Caterham. As opposed to estate agents and many comparison sites we do not have kick-back deals with solicitors. A large number of agents and online brokers 'recommend' solicitors that pays the highest kickback, not the best value conveyancing in Caterham
I would like to sublet my leasehold flat in Caterham. Conveyancing solicitor who did the purchase is retired - so can't ask her. Is permission from the freeholder required?
A small minority of properties in Caterham do contain a provision to say that subletting is only permitted with prior consent from the landlord. The landlord is not entitled to unreasonably withhold but, in such cases, they would need to see references. Experience suggests that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting consent.
I have tried to negotiate informally with with my landlord for a lease extension without success. Can a leaseholder apply to the Leasehold Valuation Tribunal? Can you recommend a Caterham conveyancing firm to help?
You certainly can. We can put you in touch with a Caterham conveyancing firm who can help.
An example of a Freehold Enfranchisement decision for a Caterham property is 223 Brighton Road in September 2013. The premium payable for the acquisition freehold of the properties should be £10,934 (Ten thousand,nine hundred and thirty four pounds) This case related to 3 flats. The remaining number of years on the lease was 75 years.
I today plan to offer on a house that seems to be perfect, at a reasonable price which is making it more attractive. I have just found out that the title is leasehold rather than freehold. I am assuming that there are particular concerns buying a house with a leasehold title in Caterham. Conveyancing advisers have not yet been appointed. Will my lawyers set out the risks of buying a leasehold house in Caterham ?
Most houses in Caterham are freehold and not leasehold. In this scenario it’s worth having a local solicitor used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are buying in Caterham so you should seriously consider looking for a Caterham conveyancing solicitor and check that they have experience in advising on leasehold houses. First you will need to check the number of years remaining. Being a leaseholder you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as obtaining the landlord’spermission to carry out changes to the property. You may also be required to pay a service charge towards the upkeep of the communal areas where the house is part of an estate. Your solicitor will appraise you on the various issues.