I have given 2 months notice to my current landlord and must be out of my let out flat in Heath by the end of next month. Conveyancing on my purchase has just started. Can I complete in 4 weeks as I wish to avoid having to find short term accommodation?
It is unwise to give notice on a rental unless your lawyer suggests that you should. If you have not already done so, update to your lawyer and ask them to they apply pressure on the other lawyers, try to an acceptable time-line that all parties will look to achieve
Having sold my house in Heath last February but our buyer keeps e-mailing me to moan that their lawyer needs to hear from mine. What are the post completion sale legalities following completion?
Following your disposal your lawyer is committed to send the transfer documentation and all additional paperwork to the purchaser's lawyers. Where appropriate, your solicitor must also evidence that the home loan has been paid off to the buyers lawyers. There are no post completion tasks peculiar conveyancing in Heath.
We are selling our house in Heath. Does the conveyancer need to be on the Barclays conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Barclays conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently currently.
I have today made my last payment due on my mortgage with Skipton. I assume I don't need a Heath lawyer on the Skipton panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
The formalities of my remortgage has taken place for my property in Heath. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I had an offer accepted on an apartment in Heath on 8/1/2025, valuation was booked 2 days later, received a clean bill of health. Property lawyer retained, so all that was missing was my mortgage offer. Having made daily calls to Co-operative and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Co-operative conveyancing panel. Are Co-operative entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.
A colleague advised me that where I am purchasing in Heath I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes quoted for as part of the standard Heath conveyancing searches. It is not a small document of about 40 pages, listing and detailing important information about Heath around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Heath Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information concerning Heath.
Over the last few months I have been searching for a flat up to £235,500 and identified one close by in Heath I like with amenity areas and railway links in the vicinity, the downside is that it's only got 51 remaining years left on the lease. There is not much else in Heath suitable, so just wondered if I would be making a mistake purchasing a short lease?
If you need a mortgage that many years will be problematic. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for at least 2 years you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.