Having sold my house in Harrow last March but the buyer keeps whats apping daily to say his lawyer needs to hear from myconveyancer. What should my lawyer have done following completion?
Post completion of your house sale your solicitor should forward the transfer documentation and all supplemental paperwork to the buyer’s conveyancer. Where relevant, your lawyer must also send confirmation that the legal charge in favour of the lender has been redeemed to the buyers solicitors. There are no post completion formalities peculiar conveyancing in Harrow.
Can you point me to a directory of Clydesdale panel solicitors in Harrow on the Building Society Association’s Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. Very few mortgage companies make their panel listings visible on the web. Where you are seeking to appoint a Harrow property lawyer on the Clydesdale please use our facility.
I am currently in the process of buying my council flat in Harrow. I have a mortgage agreed with Yorkshire BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
I can not fathom if my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Harrow building society branch on numerous occasions and was told it does not affect the mortgage offer and they would lend. My Harrow conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they would not lend based on their published requirements. Who do I believe?
As long as the property lawyer is on the lender panel, they must comply with the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I note that there are debates on Chancel Insurance on online forums. Do I need this when buying a residence in Harrow? or Apparently there is a law dating back centuries that could mean that owners of property living in a parish church boundary may be liable to pay for maintenance towards the chancel within the church. Is this suitable for conveyancing in Harrow?
Unless a previous acquisition of the house completed after 12 October 2013 you may assume that solicitors conducting conveyancing in Harrow to remain encouraging a chancel search and or chancel repair liability insurance.
The deeds to my property are lost. The conveyancers who did the conveyancing in Harrow 5 years ago no longer exist. What do I do?
In today’s world there are copies made of almost everything, and your lawyer should be aware precisely where to locate all the relevant documentation so you can buy or sell your house without a hitch. If copies are not available, your lawyer may be able to put in place insurance or indemnities protecting you against possible claims on the premises.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what should have been a straight forward, no chain conveyancing. Harrow is the location of the property. Can you shed any light on this issue?
Flying freeholds in Harrow are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Harrow you must be sure that your lawyer goes 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 Harrow 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.
In my capacity as executor for the will of my grandfather I am disposing of a house in Swansea but live in Harrow. My lawyer (who is 235 miles from meneeds me to execute a statutory declaration before the transaction finalising. Can you recommend a conveyancing lawyer in Harrow who can attest this legal document for me?
strictly speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will be fine regardless of whether they are Harrow based