Is there a reason why leasehold purchase conveyancing in Charterhouse costs more?
Charterhouse leasehold properties involve far more paperwork than a freehold purchase, and therefore takes more time to examine and advise upon.Conveyancing will involve the lease having to be checked which is usually a lengthy document, queries raised to ensure that the covenants and conditions have been observed. If it is a flat there will be a management company in existence and the accounts of this will need to be checked and enquiries raised to ensure it is operating efficiently and that all monies due have been paid by the Seller to the company and if not ensuring that money is paid up to date or the appropriate undertakings obtained.
I am due to move property in February. Should my conveyancing solicitor communicate with the removal company on the day of completion. On a separate note, can you recommend a removal company in Charterhouse. Conveyancing firm was chosen prior to coming across this website.
On the day of completion you will need to collect the keys from the estate agent but this can only be done once the previous owners solicitors inform the agent that they acknowledge receipt of the completion payment and the keys can be given over. After that you should inform the removal men that they can start moving you in. As a matter of policy we do not recommend a specific removal organisation but can help you locate a conveyancing in Charterhouse or a firm with expertise in conveyancing in Charterhouse.
After much negotiation I have agreed a price on an apartment in Charterhouse. My mortgage broker suggested a conveyancer. I paid an on account payment of £225. A few days later, the property lawyer contacted me embarrassingly acknowledging that they were not on the Co-operative conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Co-operative panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Charterhouse solicitor - who is on the Barclays conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays 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 Charterhouse postcode. As you are getting a mortgage with Barclays, you could contact them to see if they have a list of approved surveyors in Charterhouse.
I am buying a property and the solicitor has mentioned Chancel Repair for which the house may be obligated to contribute to as it falls into the area of such a church. He has recommended insurance. Is this strictly required for conveyancing in Charterhouse
Unless a previous acquisition of the house completed post 12 October 2013 you may expect conveyancing practitioners conducting conveyancing in Charterhouse to remain recommending a chancel search and or chancel repair liability policy.
I am buying my first flat in Charterhouse benefiting from help to buy. The builders would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The estate agent advised me not disclose to my solicitor about the deal as it will impact my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey done on a house in Charterhouse ahead of retaining conveyancers. I have been told that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies tend not give a loan on this type of home.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Charterhouse. Conveyancing may be slightly more expensive based on your lender's requirements.
I have been searching for Charterhouse online conveyancing estimates. Can I be assured that all the Charterhouse firms that are identified on your website are on the mortgage company conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the mortgage company panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a bank or a member of the public that the data about a specific Charterhouse firm being on the bank conveyancing panel is not accurate.