Completed the sale of my flat in Dulwich last April yet the purchaser is e-mailing every few hours complaining that her conveyancer is waiting to hear from mine. What are the post completion sale formalities now that I have sold?
After completion of your disposal your lawyer should forward the transfer documentation and all of the paperwork to the buyer’s conveyancer. Depending on the transaction, your solicitor must also send confirmation that the mortgage has been discharged to the buyers conveyancers. There is unlikely to be post completion procedures peculiar conveyancing in Dulwich.
I happen to be the sole recipient of my late grandmother’s will with all property in now in my sole name, including the my former home in Dulwich. The Dulwich property was put into my name in August. I want to move. I do know about the Mortgage Lenders six month 'rule', which means that my property ownership could be regarded the same way as if I'd bought the house in August. Do I have to wait 6 months to sell?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be caught by that. many mortgage companies would take a pragmatic view as this requirement primarily exists to identify subsales or the flipping of properties.
We previously chose conveyancers locally in Dulwich on the Santander solicitor panel. They are now charging me a supplemental amount for the legal aspects of the Santander mortgage. Is this an additional conveyancing fee specified by Santander?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your conveyancer can levy a fee for this. This charge is not dictated by Santander but by your Dulwich conveyancing practitioner. Plenty of firms on the Santander panel will charge ’dealing with mortgage’ fee but plenty of firms include it on their overall fee.
The mortgage over my property is with Principality for my property in Dulwich. Conveyancing has been completed a year ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Principality?
Principality must be informed of your intention in advance of letting out your property as this is likely to be a breach of Principality’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Principality directly. It should not be necessary to do this via a Principality conveyancing panel lawyer.
My relative recommended that where I am buying in Dulwich I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Dulwich conveyancing searches. It is not a small document of about 40 pages, listing and setting out important information about Dulwich around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Dulwich Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information regarding Dulwich.
I have todayfound out that Action Conveyancing have closed. They conducted my conveyancing in Dulwich for a purchase of a leasehold flat 18 months ago. How can I check that the property is not still registered in the name of the former proprietor?
The easiest 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 Dulwich conveyancing specialists.
How simple is it to switch firm as I have to instruct a firm on the Bank of Scotland conveyancing panel. I was using a family conveyancing solicitor in Dulwich five minutes from me but he is not approved by Bank of Scotland
We will our best to assist in finding you a conveyancing solicitor in Dulwich on the Bank of Scotland panel. Please note that the solicitors that we list do not pay us fee if you instruct them and are under regulation of the SRA who oversee all conveyancing solicitors in Dulwich. In utilising search facility on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Dulwich.
We're FTB’s - had an offer accepted, but the selling agent advised that the owners will only proceed if we appoint the agent's recommended lawyers as they need an ‘expedited deal’. We would rather use a family solicitor with experience of conveyancing in Dulwich
We suspect that the seller is not behind this ultimatum. Should the vendor desire ‘a quick sale', alienating a genuine purchaser is likely to cause more damage than good. Contact the sellers directly and explain that (a)you are keen to buy (b)you are ready to go, with finances arranged © you do not need to sell (d) you wish to move quickly (e)however you are going to instruct your own,trusted Dulwich conveyancing lawyers - not the ones that will provide their estate agent a kickback or hit his conveyancing thresholds set by corporate headquarters.