This question may be naive but I am unexperienced as a first time purchaser of a garden flat in Culcheth. Do I pick up the keys to the house on the completion date from my conveyancer? If so, I will appoint a High Street conveyancing solicitor in Culcheth?
On the day of completion you will not be required to attend the conveyancers office in Culcheth. Conveyancing lawyers for you will arrange to send the completion advance to the vendor’s solicitors, and once they have received this, you will be invited to collect the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
My partner and I have arranged a further advance on our home loan from UBS as we want to conduct alterations to our property in Culcheth. Do we need to appoint a high street Culcheth solicitor on the UBS conveyancing panel to handle the legals?
UBS would not normally instruct firms on their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the UBS panel.
I have finally had an offer on a maisonette in Culcheth accepted, but there is a chain. The vendors have placed an offer on a flat, but it’s not been accepted yet, and are looking at other flats in the pipeline. I have chosen a nearby conveyancing solicitor in Culcheth. What do I do now? At what point should I apply for the mortgage with UBS?
It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Culcheth conveyancing search charges, etc). First, you should check that your lawyer is on the UBS approved list. As to the subsequent stages this very much dictated by the specifics of your transaction, motivation for the property and on the state of the market. In a hot market some home buyers will apply for the mortgage with UBS and pay for the valuation and only if it was satisfactory would they ask their property lawyer to proceed with the conveyancing in Culcheth.
I have justdiscovered that Wolstenholmes have closed. They conducted my conveyancing in Culcheth for a purchase of a leasehold flat 12 months ago. How can I establish that my home is not still registered in the name of the former proprietor?
The quickest method to see 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 Culcheth conveyancing specialists.
Due to the advice of my in-laws I had a survey completed on a house in Culcheth prior to instructing conveyancers. I have been told that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies tend refuse to give a loan on this type of property.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Culcheth. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Culcheth to see if the conveyancing costs will increase in light of this.
Is it possible to transfer to a new solicitor as I have to appoint one who is on the HSBC Bank conveyancing panel. I hired a local conveyancing solicitor in Culcheth five minutes from me but she is not accepted by HSBC Bank
We will our best to assist in finding you a conveyancing solicitor in Culcheth on the HSBC Bank panel. Please note that the solicitors that we list do not pay us commission if you instruct them and are fully regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Culcheth. In utilising the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Culcheth.
My wife and I purchased a leasehold flat in Culcheth. Conveyancing and Bank of Ireland mortgage organised. A letter has just been received from someone saying they have taken over the reversionary interest in the property. It included a ground rent demand for rent dating back to 1998. The conveyancing practitioner in Culcheth who previously acted has now retired. Any advice?
The first thing you should do is contact HMLR to make sure that the individual claiming to own the freehold is indeed the registered owner of the freehold reversion. You do not need to incur the fees of a Culcheth conveyancing practitioner to do this as you can do this on the Land Registry website for £3. You should note that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Culcheth Leasehold Conveyancing - A selection of Questions you should consider Prior to buying
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Is anyone aware of any major works in the planning that will likely add a premium to the service charges? What is the name of the managing agents?
My brother-in-law has suggested I instruct a conveyancing solicitor in Culcheth. I need to find out if they are on the lender's approved list of lawyers. Could you assist?
You should contact your lawyer and ask them if they are on the lender's panel. If that does not help call us and we can make some checks for you. If they are not on the conveyancing panel we we can help find a quality conveyancing solicitor in Culcheth on the approved list for your lender.