My flat in Derbyshire is up for sale and I have a purchaser. Does my solicitor need to be on the Coventry BS conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Coventry BS 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 at the moment.
This question may be naive but I am wet behind the ears as FTB of a two bedroom flat in Derbyshire. Do I receive the keys to the property on the completion date from my solicitor? If so, I will instruct a High Street conveyancing solicitor in Derbyshire?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the purchase money to the vendor’s solicitors, and shortly after the monies have arrived, you should be invited to pick up the keys from the property Agents and start moving into the property. This tends to happen between 1 and 3pm.
We had selected conveyancing lawyers located in Derbyshire on the Nottingham solicitor approved list. They are now charging me a further fee for the legal aspects of the Nottingham mortgage. Is this an additional conveyancing fee specified by Nottingham?
As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your solicitor may levy a fee for this. The fee is not dictated by Nottingham but by your Derbyshire lawyer. Some firms on the Nottingham panel will levy an ‘acting for lender’ fee but plenty of firms incorporate it on their overall fee.
My husband and I are in the process of looking at flats in Derbyshire and I am now considering a potential offer. Should I already have a conveyancer appointed at this point? I will be getting a mortgage with Yorkshire BS.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. Given that you are obtaining a mortgage with Yorkshire BS, make sure you remember to check that your lawyer is on the Yorkshire BS conveyancing panel.
A relative advised me that if I am purchasing in Derbyshire I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally quoted for as part of the standard Derbyshire conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Derbyshire around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Derbyshire Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Derbyshire Education with plans and statistics, Local Amenities and other useful data concerning Derbyshire.
I used Action Conveyancing several years ago for my conveyancing in Derbyshire. I now require my papers but cannot find the solicitor. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Derbyshire of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Over the last few months I have been searching for a flat up to £235,500 and identified one near me in Derbyshire I like with a park and transport links in the vicinity, the downside is that it's only got 61 years on the lease. I can't really find anything else in Derbyshire suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you need a home loan the shortness of the lease may be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least 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 term with a zero ground rent applied. You should consult your conveyancing solicitor about this.
As a leasehold owner I am liable for a service charge for my flat in Derbyshire. As a result of personal circumstances I slipped into arrears with payments. The freeholders agreed a clearance schedule but there remains approximately £1750 currently due.
I now wish to dispose of the property and I am nervous that this can hold me back if I have to settle the amount due first. I'd like to sell up and subsequently pay them back with the completion monies - is this viable?
The solicitor dealing with your Derbyshire sale should be able to negotiate with the appropriate parties, and agree with them whether or not they would accept payment from completion monies. This is indicative of why it might be good to choose a conveyancing practitioner in Derbyshire as they are likely to enjoy an open line of communication with the management company.