Why do I have to pay up front for my conveyancing in Chessington?
Where you are retaining lawyers for conveyancing in Chessington your solicitor will ask you place them with funds to cover the the cost of the conveyancing searches. This will be the total of the cost of the conveyancing searches. When the down payment is payable against the total price then this will be needed shortly prior to contracts are exchanged. The closing balance that is needed should be sent to your lawyer shortly before completion.
My grandfather passed away last year and as sole heir and executor I was left the property in Chessington. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Yorkshire BS, pay off the mortgage. Is this allowed?
Given you intend to refinance then Yorkshire BS will require that you use a conveyancer on the Yorkshire BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Yorkshire BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Yorkshire BS mortgage is registered as a charge at the Land Registry.
My bid for a property was accepted at auction in Chessington. Conveyancing is required. What happens now?
Having legally bound yourself to purchase you will need to hire the services of a conveyancing practitioner quickly as you now have a fast approaching a fixed date to complete the deal. Every auction property will have an associated auction pack. This should include most,if not all of the paperwork that your lawyer will need. If you have purchased leasehold property the auction papers should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to leasehold premises. You need to hand this to the lawyer instructed by you as soon as possible. Do make sure that your finances are organised to complete on the on the contractual date .
I am due to move property in February. Should my conveyancing solicitor call the removal company on the day of completion. As an aside, can you put forward a removal company in Chessington. Conveyancing lawyer was organised prior to coming across your site.
On the afternoon of completion you can pick up the house keys from your property agent but this can only take place after the vendors solicitors inform the agent that they acknowledge receipt of the completion payment and the keys can be released. Subsequently you should tell the removal company that they can start moving you in. We do not recommend a particular removal organisation but can help you choose a residential property solicitor in Chessington or a firm that specialises in conveyancing in Chessington.
Completion of my purchase has taken place for my property in Chessington. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Do I need to pay for insurance to address the risk of chancel repairs when buying a house in Chessington?
Unless a prior purchase of the property completed post 12 October 2013 you could expect conveyancing practitioners delivering conveyancing in Chessington to remain recommending a chancel search and or insurance against a claim.
I acquired my home on 7 April and my personal details is yet to be on the land registry website. Should I be concerned? My conveyancing solicitor in Chessington expressed confidence that it will be registered in a couple of weeks. Are transfers in Chessington particularly slow to register?
As far as conveyancing in Chessington registration is no faster or slower than anywhere else in the country. As opposed to being determined by geographic area, timeframes can adjust subject to who lodges the application, whether it is in order and if the Land registry need to notify any interested parties. Currently in the region of three quarters of submission are fully addressed in less than three weeks but some can be subject to extensive delays. Historically registration occurs once the new owner is living at the property so an expedited registration is not usually top priority yet where there is a degree of urgency associated with the registration then you or your lawyers can contact the land registry and explain the circumstances.
Over the last few months I have been searching for a ground for flat up to £235,500 and identified one round the corner in Chessington I like with open areas and railway links in the vicinity, the downside is that it only has 49 years on the lease. I can't really find anything else in Chessington for this price, so just wondered if I would be making a mistake buying a short lease?
Should you require a home loan the shortness of the lease will be an issue. Reduce the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should consult your conveyancing solicitor concerning this.