I have just been advised by my IFA that my Harrow on the Hill the law firm I have appointed is not on the mortgage company Conveyancing panel. How can I be sure if this is correct?
You need to call your Harrow on the Hill conveyancer. It is reasonable to expect your lawyer to notify you of the situation. Where they are not on the panel they may recommend you to a Harrow on the Hill conveyancing practice that is on the approved list of lawyers for your mortgage company.
I am purchasing a house without a mortgage in Harrow on the Hill. I have lived for the last 15 years in Harrow on the Hill. Conveyancing searches are a lot of money. As I have knowledge of the road and vicinity very well should I not bother getting the solicitor to do all the conveyancing searches?
Provided that you do not need a home loan, then all but one or two of the Harrow on the Hill conveyancing searches are optional. Your conveyancer will try and steer you, no-doubt strongly, that you should have searches completed, but he is duty bound to do this. Do consider; if you are likely to dispose of the house at a future date, it may be of importance to your prospective buyer what the searches disclose. Sometimes premises with no practical issues can still throw up unpredicted search results. A competent conveyancing solicitor in Harrow on the Hill should be able to give you some practical advice concerning this.
We are purchasing a house and require a conveyancing solicitor in Harrow on the Hill who is on the Aldermore approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Aldermore . We don't recommend any particular firms conducting conveyancing in Harrow on the Hill.
My friend suggested that if I am purchasing in Harrow on the Hill I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Harrow on the Hill conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Harrow on the Hill around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Harrow on the Hill Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Harrow on the Hill Education with maps and statistics, Local Amenities and other useful information concerning Harrow on the Hill.
Me and my brother purchased a terraced Victorian house in Harrow on the Hill. Conveyancing lawyer acted for me and TSB. 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 assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Harrow on the Hill and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with your conveyancing practitioner who conducted the purchase.
Due to the advice of my in-laws I had a survey completed on a property in Harrow on the Hill ahead of instructing lawyers. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies tend not give a mortgage on such a house.
It depends who your proposed lender is. Santander has different requirements from Nationwide. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Harrow on the Hill. Conveyancing may be slightly more expensive based on your lender's requirements.