I am searching for value for money property lawyer. Should I go for for an internet conveyancer or a family Enfield conveyancing solicitor?
Established third party relationships are another important factor to consider when appointing conveyancing solicitors. Enfield conveyancers often have connections with lenders and selling, local authorities, surveyors and other conveyancing firms meaning you will move in shortest possible time. Possessing a well rounded intelligence of the local area is also a plus .
My husband and I are refinancing our maisonette in Enfield with HSBC. We have a son 19 who lives with us. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this form unique to the HSBC conveyancing panel as he did not need to sign this form when we purchased 4 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to HSBC. This is solely used to protect HSBC if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of HSBC had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am buying a property and the conveyancer has referenced Chancel Repair for which the house may be obligated to contribute to because it falls into the area of such a church. She has mentioned insurance. Is this really required for conveyancing in Enfield
Unless a prior acquisition of the house completed post 12 October 2013 you may expect solicitors carrying out conveyancing in Enfield to remain encouraging a chancel search and or insurance against a claim.
Me and my brother have a 4 bedroom Edwardian house in Enfield. Conveyancing lawyer represented me and Godiva Mortgages Ltd. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Enfield 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 question the situation with the conveyancing practitioner who conducted the work.
I am looking for a ground for flat up to £245,000 and identified one round the corner in Enfield I like with a park and station nearby, however it only has 51 years on the lease. I can't really find anything else in Enfield suitable, so just wondered if I would be making a grave error purchasing a short lease?
Should you need a mortgage that many years will be a potential deal breaker. Reduce the offer by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least 2 years you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should speak to your conveyancing lawyer regarding this.
As co-executor for the estate of my father I am disposing of a residence in Cardiff but reside in Enfield. My solicitor (who is 200 miles awayrequires that I execute a stat dec ahead of the transaction finalising. Could you suggest a conveyancing practitioner in Enfield to witness this legal document for me?
strictly speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will suffice regardless of whether they are Enfield based