As a first time buyer what is the most important number one tip you can impart about purchase conveyancing in Empingham?
You may not hear this from too many lawyers but conveyancing in Empingham or throughout England and Wales is an adversarial process. Put another way, when it comes to conveyancing there exists an abundance of opportunity for conflict between you and other parties involved in the ownership transfer. For example, the vendor, selling agent and even potentially the bank. Choosing a law firm for your conveyancing in Empingham an important selection as your conveyancer is your adviser, and is the SOLE person in the transaction whose interest is to act in your legal interests and to protect you.
There is a worrying ongoing adversarial element to conveyancing- someone has to be at fault for the process taking so long. We recommend that you must always trust your lawyer above the other parties in the home moving process.
We are planning to purchase with Darlington Building Society. We have called around locally yet cant to find a Empingham conveyancing firm on the Darlington Building Society approved list. Please you assist?
Please do take advantage of the search tool on this page. Please choose the building society and type Empingham or your preferred area and you will discover a number of lawyer offices in Empingham or nearest you.
My stepmother informed me that in buying a property in Empingham there could be a number of restrictions limiting what one can do in terms of external alterations to a property. Is this right?
We are aware of a number of properties in Empingham which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Empingham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have paid off my mortgage with Principality. I assume I don't need a Empingham conveyancer on the Principality panel to discharge the mortgage at the Land Registry. Am I right?
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 apartment. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, TSB are being a right pain. The Empingham solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are requiring a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB 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.
We are close to exchanging contracts on the sale of our house in Empingham and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. A high street Empingham conveyancer would know this is not the case. For the life of me I don't know why the purchasers instructed a nationwide conveyancing practice as opposed to a conveyancing solicitor in Empingham. We have lived in Empingham for 5 years we know of no issue. Should we contact our local Authority to seek confirmation that there is no issue.
It sounds as though you may have a conveyancing firm already. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
I have been on the look out for a leasehold apartment up to £195,000 and identified one close by in Empingham I like with a park and railway links nearby, however it only has 49 remaining years left on the lease. I can't really find anything else in Empingham suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you need a home loan the remaining unexpired lease term will likely be a potential deal breaker. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of twenty four months you can ask them to 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 speak to your conveyancing solicitor about this matter.
I require the services of a lender panel solicitor in Empingham. Can you assist?
Unfortunately it’s not apparent why you need a Empingham panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the bank to find out which solicitors in Empingham are on their panel . If you do find such a firm in Empingham not listed please direct them to our site to list. After all the cost is only one £1 a month