I have given 8 weeks notice to my current landlord and have to vacate my let out flat in Crook by 3/11/2025. Conveyancing for my house purchase is progressing. Is it possible to complete in a couple of weeks as I wish to avoid having to find temporary accommodation?
It is unwise to serve notice for your letting until exchange of contracts has taken place. Assuming that you have not already done so, update to your solicitor and request that they chase the owners side, try to get a realistic time scale from them that everyone will look towards
I have paid off my mortgage with TSB. I assume I don't need a Crook solicitor on the TSB panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your TSB 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 TSB mortgage from the register. TSB, 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 TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Crook solicitor - who is on the Barclays conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Crook postcode. As you are getting a mortgage with Barclays, you could contact them to see if they have a list of approved surveyors in Crook.
Aldermore have agreed my mortgage in principle, my offer on a house in Crook has been agreed to, what happens next?
Your estate agent will need to know who your solicitors are (be sure the conveyancing practitioners are on the bank’s approved list). Telephone Aldermore or the broker and complete any relevant forms. Aldermore will instruct a valuer who will get in touch with the selling agent or owners to book an appointment. Once carried out (assuming no problems) it takes about a fortnight to get a mortgage offer. Aldermore will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Crook.
Will our lawyer be raising questions concerning flooding during the conveyancing in Crook.
Flooding is a growing risk for solicitors carrying out conveyancing in Crook. There are those who acquire a property in Crook, completely expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or dispose of the premises. Steps can be carried out during the course of a house purchase to forewarn the purchaser.
Lawyers are not best placed to offer advice on flood risk, but there are a various checks that can be undertaken by the purchaser or by their solicitors which will figure out the risks in Crook. The standard property information forms sent to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) includes a usual inquiry of the vendor to discover if the premises has ever been flooded. In the event that flooding has previously occurred which is not notified by the owner, then a purchaser may commence a legal claim for losses resulting from an inaccurate response. A buyer’s solicitors will also carry out an environmental search. This should higlight whether there is any known flood risk. If so, additional inquiries should be conducted.
I have recentlybecome aware that Arc property Solicitors have been shut down. They conducted my conveyancing in Crook for a purchase of a leasehold flat 10 months ago. How can I check that the property is registered correctly in the name of the former proprietor?
The quickest method to see if the property is in your name, you can carry out 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 Crook conveyancing specialists.
I decided to have a survey completed on a property in Crook before retaining conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some banks may not issue a mortgage on a flying freehold house.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Nationwide. If you call us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Crook. Conveyancing may be slightly more expensive based on your lender's requirements.
We are a couple of weeks into a residential purchase having been recommend to conveyancers by the selling agent to handle our conveyancing in Crook. I am not happy. Could you you assist me in finding new lawyers?
They would have to be very bad to suggest diss instructing them. Has your loan offer been generated? If so you will need to inform them of the new contact details and get the offer are re-issued. Your conveyancer should be on the mortgage company panel to avoid escalating costs and delays. That should be your starting point. The find a solicitor tool can assist you in finding a bank approved lawyer for your home move in Crook