We note that you have a search directory listing solicitors on the HSBC conveyancing panel. Do firms pay you a referral fee if I instruct them for our conveyancing in Charing Cross?
We are a listing service only for law firms wishing to communicate if they are on the HSBC conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Charing Cross.
I have today made my last payment due on my mortgage with Santander. I assume I don't need a Charing Cross property lawyer on the Santander panel to remove the mortgage at the Land Registry. Am I right?
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
I've digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Charing Cross solicitor - who is on the Clydesdale conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale 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. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Charing Cross postcode. As you are getting a mortgage with Clydesdale, you could contact them to see if they have a list of approved surveyors in Charing Cross.
Kent Reliance have agreed my mortgage in principle, my offer on a flat in Charing Cross has been accepted, what are the next steps?
Your estate agent will need to be advised as to your conveyancing practitioner's details (ensure that the property lawyers are on the lender’s panel). Call up Kent Reliance or the broker and complete any relevant forms. Kent Reliance will instruct a valuer who will get in contact with the selling agent or seller to arrange a time for the valuation to occur. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Kent Reliance will issue the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Charing Cross.
I need some fast conveyancing in Charing Cross as I am under pressure to sign on the dotted line within one month. A home loan is not required. Can I decline from having conveyancing searches to save fees and time?
As you are are a cash purchaser you have the choice not to have searches conducted although no law firm would advise that you don't. With lots of history conveyancing in Charing Cross the following are instances of what can show up and therefore affect market value: Enforcement Notices, Outstanding Fees, Overdue Grants, Railway Schemes,...
three months have gone by since my purchase conveyancing in Charing Cross concluded. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
My uncle has suggested that I appoint his conveyancers in Charing Cross. Should I use them?
There are no two ways about it the ideal way to find a conveyancing solicitor is to seek feedback from friends or family who have actually used the conveyancer that you are contemplating using.
I am employed by a reputable estate agency in Charing Cross where we have experienced a number of leasehold sales jeopardised due to short leases. I have been given conflicting advice from local Charing Cross conveyancing firms. Please can you clarify whether the seller of a flat can instigate the lease extension formalities for the purchaser on completion of the sale?
Provided that the seller has been the owner for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. This means that the proposed purchaser need not have to sit tight for 2 years for a lease extension. Both sets of lawyers will agree to form of assignment. The assignment has to be done prior to, or at the same time as completion of the disposal of the property.
An alternative approach is to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the buyer.
Following months of correspondence we cannot agree with our landlord on how much the lease extension should cost for our flat in Charing Cross. Can we issue an application to the Residential Property Tribunal Service?
in cases where there is a missing landlord or if there is disagreement about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the First-tier Tribunal (Property Chamber) to determine the premium.
An example of a Freehold Enfranchisement case for a Charing Cross premises is 20 Avonwick Road in July 2013. The Tribunal was dealing with an application under Section 26 of the Leasehold Reform Housing and Urban Development Act 1993 for a determination of the freehold value of the property. It was concluded that the price to be paid was Fifteen Thousand Nine Hundred and Seventy (£15,970) divided as to £8,200 for Flat 20 and £7,770 for Flat 20A This case was in relation to 1 flat. The unexpired residue of the current lease was 73.26 years.