I am selling my apartment in East Oxford. Will the solicitor need to be on the TSB conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the TSB 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 conditions fairly frequently at the moment.
We have agreed to purchase a house in East Oxford. A rare aspect is that the roof has a solar panel. TSB have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with TSB your lawyer must check the conveyancing requirements set out in Part 2 of UK Finance Lenders’ Handbook for TSB. The Council of Mortgage Lenders’ Handbook includes minimum requirements for solar panel roof-space leases, and conveyancers are required to report to TSB where a lease fails to meet these provisions. The conditions relate to the installation of panels on properties countrywide and is not isolated to East Oxford.
I have today made my last payment due on my mortgage with Principality. I assume I don't need a East Oxford 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 am due to exchange contracts on my flat. I had a double glazing fitted in January 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Nationwide are being a right pain. The East Oxford solicitor who is on the Nationwide conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nationwide are insisting on a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Do commercial conveyancing searches disclose proposed roadworks that could impact a commercial estate in East Oxford?
Its becoming the norm that commercial conveyancing solicitors in East Oxford will perform a SiteSolutions Highways report as it reduces the time that conveyancers expend in sourcing accurate data on highways that impact buildings and development assets in East Oxford. The search result sets out definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in East Oxford.
For every commercial conveyancing transaction in East Oxford it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately may result in delays to East Oxford commercial conveyancing transactions as well as present a risk to future plans for the site. These searches are not carried out for domestic conveyancing in East Oxford.
I have justbeen informed that Stirling Law have closed. They carried out my conveyancing in East Oxford for a purchase of a freehold house 12 months ago. How can I establish that my home is in my name in the name of the former proprietor?
The quickest way to check if the property is registered to you, 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 East Oxford conveyancing specialists.
How can the Landlord & Tenant Act 1954 affect my commercial premises in East Oxford and how can your lawyers assist?
The 1954 Act affords protection to commercial leaseholders, granting the right to apply to court for a new tenancy and remain in occupation at the end of an expired lease. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are involved. Fees are different for commercial conveyancing. East Oxford is one of our many areas of the UK in which the firms we work with are located
What type of property do your East Oxford conveyancing estimates apply to?
The quotes issued are only relevant to standard domestic homes in England & Wales. Should you have any different requirements such as industrial or agricultural property or commercial conveyancing in East Oxford you should contact us to address your requirements .