My husband and I swapping mortgage lender for our apartment in Crawley with Yorkshire BS. We have a son 19 who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of concerns (1) Is this form unique to the Yorkshire BS conveyancing panel as he never had to sign this form when we remortgaged 3 years ago (2) Does our son by signing this extinguish his entitlement to inherit the property?
First, rest assured that your Yorkshire BS conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Yorkshire BS. This is solely used to protect Yorkshire BS if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Yorkshire BS had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
What is your number one tip for choosing a conveyancing solicitor in Crawley
Do not opt for the cheapest Crawley conveyancing costs illustration. You really do get what you’re paying for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
What is the difference between a licensed conveyancer and conveyancing solicitor in Crawley
There are many registered licenced Conveyancers in Crawley and Solicitor firms in Crawley who can assist with your conveyancing We would stress that the two are supervised by regulatory bodies with both specialising in the legal aspects of the home buying process. The two can handle other property legal work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.
Is there a list of Bank of Ireland panel solicitors in Crawley on the Council of Mortgage Lender’s Website?
No. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lending institutions make their panel listings visible on the web. Where you are seeking to appoint a Crawley lawyer on the Bank of Ireland please make the most of our facility.
I have todayfound out that Wolstenholmes have closed. They carried out my conveyancing in Crawley for a purchase of a leasehold flat 9 months ago. How can I establish that my home is registered correctly in the name of the previous owner?
The easiest way to check if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Crawley conveyancing specialists.
I opted to have a survey done on a property in Crawley prior to retaining lawyers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders may not grant a mortgage on this type of property.
It depends who your proposed lender is. Santander has different requirements from Halifax. Should you wish to telephone us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Crawley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Crawley to see if the conveyancing costs will increase in light of this.
Taking into account that I will soon spend over three hundred thousand on a garden flat in Crawley I wish to have a conversation with the solicitor regarding thetransaction in advance of giving the go ahead to the firm. Is this something that you can arrange?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the conveyancer due to be carrying out your property ownership legalities in Crawley.There is no ‘factory style conveyancing’ - each client is unique person, not a file reference. The solicitors that we put you in touch with believe that the fees you are provided with for residential conveyancing in Crawley should be the amount on the final invoice that you end up paying.
I bought a flat in Crawley last 22/7/2024 and to date it is still not registered with HM Land Registry. It is part of a development site and my conveyancing practitioner told me that it can take one year to register. I have contacted HM Land Registry directly and they say that the original application was cancelled due to questions not being addressed in time. Do I need to be concerned?
It is your solicitor that you really need to contact in order to satisfy any questions which have been raised as part of the registration formalities for your Crawley property. Normal Crawley conveyancing practice includes an undertaking on the part of the vendor’s conveyancer that they will assist in resolving any question raised by HMLR so it may be a case of seeking to enforce that undertaking if necessary.