My lawyer has discovered a defect with the lease for the apartment we are buying in Chessington. The seller’s lawyers have put forward title insurance as a workaround. We are content with insurance and will pay for it. Our conveyancing practitioner says that he must check that the lender is content with this solution. Are we the client or is the mortgage company ?
Regardless of the fact that you have a mortgage offer from the lender does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the lender are the client. These conveyancing instructions have to be complied with.
Completed the sale of my flat in Chessington last May yet the purchaser is SMS messaging me to moan that her conveyancer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Post completion of your disposal your solicitor is obliged to deliver the transfer deeds and all of the paperwork to the purchaser's conveyancer. Where relevant, your lawyer should also send confirmation that the home loan has been discharged to the buyers conveyancers. There is unlikely to be post completion procedures unique to conveyancing in Chessington.
Are the BSA intent on creating a online directory to list solicitors on the Norwich and Peterborough Building Society conveyancing panel for example in Chessington?
We would not expect to be advised of any plans on the part of the BSA to promote such a tool.
I am assisting my aunt sell her property in Chessington. Will the conveyancing solicitor order the energy performance certificate or it is for the seller to coordinate?
Following the demise of Home Packs, energy performance certificates was maintained a required part of moving property. An EPC should be to hand before the property is marketed. This is not as aspect of the sale process that solicitors normally arrange. If you are using a Chessington conveyancing lawyer they might be willing to arrange energy assessments given their contacts with long established local energy assessors
Have just purchased a probate house at auction in Chessington. Conveyancing is required. What are my next steps?
Given that you are now exchanged you now have to hire the services of a conveyancing lawyer quickly as you are facing a fast approaching a fixed date to complete the property. An auction property should have an associated auction pack. This will likely include evidence of title and search results. Where you are dealing with leasehold property the legal pack may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork relating to leasehold premises. You should hand this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are organised to complete on the date specified in the contract.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Chessington solicitor on the HSBC panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your HSBC 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 HSBC mortgage from the register. HSBC, 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 HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
Yesterday I discovered that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Chessington is the location of the property. Can you shed any light on this issue?
Flying freeholds in Chessington are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chessington you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chessington may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
How easy is it to change conveyancer as I have to select one who is on the Nationwide Building Society conveyancing panel. I instructed a local conveyancing solicitor in Chessington five minutes from me but the firm is not accepted by Nationwide Building Society
We will our best to assist in finding you a conveyancing solicitor in Chessington on the Nationwide Building Society panel. Please note that the property lawyers that we list do not pay us fee if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Chessington. In utilising search facility on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Chessington.