IfI were to acquire a simple residential homein Harringay mortgage fee and dispense with a survey and no conveyancing searches how much should I expect to have to pay for conveyancing in Harringay?
Any savings you would gain would be isolated to the Harringay conveyancing searches. A solicitor still got to do everything else - money laundering, liaising with your sellers conveyancer, stamp duty submission, register the title etc. A slight saving might be made by not needing to register a mortgage however it will not be meaningful.
I have 7378 less than 75 years remaining on my lease and require a lease extension for my apartment in Harringay. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions correct?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 10/1/2025 the requirements read as follows :
We previously appointed conveyancing lawyers located in Harringay on the Kent Reliance solicitor panel. They have just invoiced me a further amount for dealing with the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?
As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancing practitioner can charge a fee for this. The fee is not dictated by Kent Reliance but by your Harringay lawyer. Some firms on the Kent Reliance panel will levy an ‘acting for lender’ fee and others do not.
Two weeks ago we had a mortgage agreed in principle with Santander. Harringay conveyancing lawyers are chosen. How long does it take for Santander to send the offer to the lawyer?
Some lenders take longer than others. Have Santander conducted the valuation? Have you informed Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have today made my last payment due on my mortgage with Yorkshire BS. I assume I don't need a Harringay property lawyer on the Yorkshire BS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Yorkshire BS 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 Yorkshire BS mortgage from the register. Yorkshire BS, 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 Yorkshire BS has sent the Land Registry the discharge electronically, and
- Yorkshire BS has instructed the Land Registry to do so
Should our solicitor be making enquiries regarding flooding as part of the conveyancing in Harringay.
The risk of flooding is if increasing concern for lawyers dealing with homes in Harringay. Plenty of people will purchase a house in Harringay, completely expectant that at some time, it may suffer from flooding. However, aside from the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the premises. There are steps that can be taken during the course of a property purchase to forewarn the buyer.
Lawyers are not best placed to give advice on flood risk, however there are a number of checks that may be carried out by the buyer or on a buyer’s behalf which will give them a better understanding of the risks in Harringay. The standard completed inquiry forms sent to a purchaser’s solicitor (where the Conveyancing Protocol is adopted) contains a usual question of the owner to determine if the property has ever been flooded. If flooding has previously occurred which is not notified by the owner, then a buyer may bring a claim for damages stemming from an inaccurate reply. A buyer’s lawyers may also conduct an enviro report. This will indicate whether there is a recorded flood risk. If so, further inquiries will need to be initiated.
I moved into my house on 4 March and the transaction details is yet to be on the land registry website. Need I be worried? My conveyancing solicitor in Harringay said it would be dealt with inside ten days. Are properties in Harringay uniquely lengthy to register?
As far as conveyancing in Harringay is concerned, registration is no quicker or slower than anywhere else in the country. As opposed to being determined by geographic area, timescales can vary depending on who lodges the application, whether there are errors and whether the Land registry have to notify any interested parties. Currently roughly 80% of submission are fully addressed within 12 days but some can be subject to longer delays. Historically registration is effected after the buyer has moved in to the premises so 'speed' is not typically top priority but where it is urgent that the the registration takes place urgently then you or your solicitor could speak with the land registry and explain the circumstances.
I've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a quick, no chain conveyancing. Harringay is where the house is located. What do you suggest?
Flying freeholds in Harringay are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Harringay you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harringay may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.