I have been recommended a conveyancing solicitor in Chertsey. I I am struggling to find out whether they are accepted on the Britannia approved list of lawyers. Could you assist?
The first thing you should do is phone your lawyer and ask them whether they can act for the bank. Alternatively please get in touch with Britannia who may be able to confirm.
Have just purchased a repossessed house at auction in Chertsey. Conveyancing is required. What happens now?
Given that you have now exchanged you will need to retain a conveyancing practitioner soon as you are faced with a pending a drop dead date to complete the property. An auction property will ordinarily have an associated legal pack. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the legal papers should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork specific to leasehold premises. You need to hand this to your appointed conveyancing solicitor as soon as possible. You also need to ensure that that you have the requisite funding in order to complete the transaction on the set completion date.
We are planning to move house in February. Does my conveyancing solicitor liaise with the removal company on the completion day. Incidentally, can you recommend a removal company in Chertsey. Conveyancing firm was found prior to coming across this page.
On the day of completion you can pick up the house keys from your property agent however this can only happen after the sellers conveyancers confirm to the agent that they have the completion monies and the keys can be collected. You will need to advise the removal company that they can start moving you in. As a matter of policy we do not recommend a specific removal company but can help you locate a residential property solicitor in Chertsey or a firm with expertise in conveyancing in Chertsey.
I have paid off my mortgage with Aldermore. I assume I don't need a Chertsey conveyancer on the Aldermore panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
Will my conveyancer be raising questions concerning flooding as part of the conveyancing in Chertsey.
The risk of flooding is if increasing concern for conveyancers dealing with homes in Chertsey. Plenty of people will acquire a house in Chertsey, completely aware that at some time, it may be flooded. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, suitable building insurance, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to impart advice on flood risk, however there are a numerous checks that may be initiated by the purchaser or by their lawyers which can figure out the risks in Chertsey. The standard property information forms sent to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the vendor to discover if the premises has suffered from flooding. In the event that the premises has been flooded in past and is not revealed by the owner, then a buyer could commence a compensation claim stemming from an incorrect response. The purchaser’s lawyers may also order an enviro search. This should indicate if there is any known flood risk. If so, additional inquiries should be initiated.
Are there restrictive covenants that are commonly identified as part of conveyancing in Chertsey?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Chertsey. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I opted to have a survey done on a property in Chertsey before retaining lawyers. I have been told that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies will not give a mortgage on a flying freehold home.
It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Chertsey. Conveyancing may be slightly more expensive based on your lender's requirements.
Would local authority permission be needed to split a single dwelling into multiple flats in Chertsey? This has been carried out to a house next door to a relative in Chertsey and was not aware of the conversion until it was done.
Planning Consent yes. Building Reg Approval yes.