Can you point me to a directory of Santander panel solicitors in East Grinstead on the UK Finance Lenders’ Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of mortgage companies make their panel listings available on the web. Where you are in need of a East Grinstead solicitor on the Santander please make the most of our tool.
I have today made my last payment due on my mortgage with Principality. I assume I don't need a East Grinstead conveyancing practitioner on the Principality panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Principality 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 Principality mortgage from the register. Principality, 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 Principality has sent the Land Registry the discharge electronically, and
- Principality has instructed the Land Registry to do so
I have instructed a East Grinstead conveyancing practitioner having checked that they are on the Aldermore conveyancing panel. Does my lawyer arrange the survey of the property?
Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore 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 East Grinstead postcode. As you are getting a mortgage with Aldermore, you could contact them to see if they have a list of approved surveyors in East Grinstead.
My wife and I have a renovated Edwardian house in East Grinstead. Conveyancing solicitor represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold with the matching address. 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 as there may be 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 East Grinstead and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing solicitor who conducted the conveyancing.
I decided to have a survey completed on a property in East Grinstead prior to retaining lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some lenders may not issue a mortgage on this type of premises.
It varies from the lender to lender. Bank of Scotland has different instructions from Birmingham Midshires. Should you wish to call us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in East Grinstead. Conveyancing may be slightly more expensive based on your lender's requirements.
What tools are available to locate a East Grinstead solicitor on the Nationwide Building Society conveyancing panel? I drive a motor bike and am prepared to travel upto 25kilometers to meet the conveyancer.
You can use the tool on this website. Please select a bank and your location and you will see a number of East Grinstead conveyancing lawyers locally. We have listed some East Grinstead conveyancing firms towards the end of this page and you can ring them to check whether they are on the Nationwide Building Society panel
Can you provide any top tips for leasehold conveyancing in East Grinstead with the aim of speeding up the sale process?
- A significant proportion of the frustration in leasehold conveyancing in East Grinstead can be bypassed if you appoint lawyers the minute your agents start advertising the property and request that they start to collate the leasehold information which will be required by the purchasers’ lawyers. If you have had conflict with your landlord or managing agents it is very important that these are resolved before the property is marketed. The buyers and their solicitors will be reluctant to purchase a flat where a dispute is unsettled. You will have to accept that you will have to discharge any arrears of service charge or resolve the dispute prior to the buyers completing the purchase. It is therefore preferable to have any dispute settled ahead of the contract papers being issued to the buyers’ solicitors. You will still have to reveal details of the dispute to the buyers, but it is better to reveal the dispute as over as opposed to unsettled. If you are supposed to have a share in the Management Company, you should make sure that you are holding the original share document. Organising a re-issued share certificate is often a lengthy process and slows down many a East Grinstead home move. If a reissued share is required, you should approach the company officers or managing agents (where applicable) for this as soon as possible. Some East Grinstead leases require Licence to Assign from the landlord. If this applies to your lease, it would be prudent to place the estate agents on notice to make sure that the purchasers obtain bank and professional references. The bank reference should make it clear that the buyer is able to meet the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the actual amount of the service charge so that they can pass this information on to the purchasers or their solicitors.
East Grinstead Conveyancing for Leasehold Flats - A selection of Queries before buying
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Are any of leasehold owners in arrears of their service charge payments? The majority of East Grinstead leasehold properties will have a service bill for the upkeep of the block set on behalf of the management company. If you purchase the flat you will have to meet this contribution, normally in instalments during the year. This can differ from a couple of hundred pounds to thousands of pounds for blocks with lifts and large communal areas. There will also be a ground rent for you to pay yearly, this is usually not a exorbitant amount, say approximately £25-£75 but you should to enquire as sometimes it can be many hundreds of pounds. What is the length of the lease?
Do I need to visit the offices of the mortgage company conveyancing panel solicitor to execute the legal charge? If so, I will instruct a firm who offer conveyancing in East Grinstead so that I can pop in to their offices when needed.
Whereas this was necessary 15 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in East Grinstead.