Finally the sale completed on my house in Crewe last January but my buyer keeps SMS messaging me to say their lawyer is waiting to hear from mylawyer. What should have happened now that I have sold?
Post completion of your disposal your solicitor is duty bound to send the transfer deeds and all of the paperwork to the buyer’s solicitors. Depending on the transaction, your solicitor should also confirm that the home loan has been redeemed to the purchasers conveyancers. There is unlikely to be post completion steps specific conveyancing in Crewe.
My home in Crewe is up for sale and I have a purchaser. Will my property lawyer have to be required to be on the Nottingham conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Nottingham conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently in recent years.
We are buying a victorian detached house in Crewe. We would like to carry out a loft conversion at the house.Will the conveyancing process include checks to determine if these works are permitted?
Your solicitor should review the deeds as conveyancing in Crewe will occasionally identify restrictions in the title documents which restrict certain alterations or necessitated the consent of a 3rd party. Many works require local authority planning permissions and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
I can not work out if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Crewe building society branch on various occasions and was told it does not impact the mortgage offer and they would lend. My Crewe conveyancing solicitor - who is on the lender conveyancing panel- called to say that they will not lend based on their published requirements. Who do I believe?
Your conveyancing practitioner must comply with the Council of Mortgage Lenders’ Handbook section two provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am due to exchange contracts on my flat. I had a double glazing fitted in November 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Nationwide are being a right pain. The Crewe solicitor who is on the Nationwide conveyancing panel is recommending indemnity insurance as a solution but Nationwide are requiring a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I have a renovated Edwardian house in Crewe. Conveyancing lawyer represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Crewe and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with the conveyancing lawyer who carried out the work.
In scouring the internet for the words conveyancing in Crewe it brings up numerous property lawyersin the vicinity. How do I determine which is the right conveyancer for purchase transaction?
The ideal way of seeking a suitable conveyancer is through a personal referral, so seek the guidance of friends and family who have acquired a property in Crewe or the reputable estate agent or mortgage broker. Fees for conveyancing in Crewe differ, so it's a good idea to secure a minimum of three fee estimates from different property lawyers. Dont forget to clarify what costs in the quote includes.
I have been advised by many family members to expect 6-8 weeks for Crewe conveyancing to complete.This was 3 ago. The draft contract was only forwarded to my solicitor last week so does the clock start running now?
You should take with some degree of scepticism any promises as to fast completion times. Instead ask the average timeframe to complete Crewe conveyancing deals and whether they are willing to work towards an agreed target date for your conveyancing in Crewe