I have given 2 months notice to my existing landlord and must leave my rented flat in Hartburn by the end of next month. Conveyancing on my purchase is progressing. Is it possible to complete in a couple of weeks as I wish to avoid having to find short term accommodation?
The normal practice is not to give notice for your tenancy unless you have exchanged. Assuming that you have not previously done so, contact to your lawyer and request that they cajole the owners solicitors, try to get a realistic time scale from them that everyone will work to achieve
My husband and I wish to acquire a newly converted flat in Hartburn with a mortgage from Godiva Mortgages Ltd.We use our Hartburn conveyancing practitioner but Godiva Mortgages Ltd advised that her practice is not listed on their approved list of firms. It seems we are left with no choice but to instruct a Godiva Mortgages Ltd panel firm or retain our preferred solicitor and fork out for a Godiva Mortgages Ltd panel lawyer to represent them. We feel as though this is unjust; Can we not simply insist that Godiva Mortgages Ltd use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that solicitors must be on the Godiva Mortgages Ltd solicitor panel. in the past, most banks had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Godiva Mortgages Ltd
I am purchasing a victorian detached house in Hartburn. Our aim is to convert the garage to a playroom at the property.Will legal conveyancing on the property involve checks to determine if these works are allowed?
Your conveyancer will check the deeds as conveyancing in Hartburn will on occasion identify restrictions in the title deeds which prevent categories of works or need the consent of a 3rd party. Certain works require local authority planning consent and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
Two weeks ago we had a mortgage agreed in principle with Coventry BS. Hartburn conveyancing practitioners were appointed. What is the average time that one could expect to receive a mortgage offer from Coventry BS?
There is no definitive answer here. Have Coventry BS completed the survey? Have you informed Coventry BS as to your lawyers' details and checked that your lawyers are on the Coventry BS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I currently have a mortgage with Kent Reliance for my property in Hartburn. Conveyancing was finalised months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
Your original mortgage agreement with Kent Reliance will provide that you need their approval prior to renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. It should not be necessary to do this via a Kent Reliance conveyancing panel lawyer.
Yesterday I discovered that there is a flying freehold element on a property I have offered on two weeks back in what was supposed to be a straight forward, chain free conveyancing. Hartburn is the location of the property. What do you suggest?
Flying freeholds in Hartburn are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Hartburn you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hartburn may decide 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.
My cousin has recommend that I instruct his conveyancers in Hartburn. Do I take his guidance?
There are no two ways about it the ideal way to choose a conveyancing practitioner is to have referrals from friends or relatives who have actually used the solicitor that you are are thinking of instructing.
What type of property do your Hartburn conveyancing quotes apply to?
Our conveyancing quotes are only applicable to standard residential property in England & Wales. If you have any different requirements such as industrial or agricultural property or commercial conveyancing in Hartburn you should contact us to address this further .