This question may be naive but I am unseasoned as a first time buyer of a two bedroom flat in Henllan. Do I pick up the keys to the premises on the completion date from my conveyancer? If so, I will find a local conveyancing solicitor in Henllan?
On the day of completion you do not need to attend the conveyancers office in Henllan. Conveyancing lawyers for you will arrange to send the completion advance to the owner’s conveyancers, and once they have received this, you will be invited to receive the keys from the property Agents and start moving into the property. This tends to happen between 1 and 3pm.
Two weeks ago we had a mortgage agreed in principle with Santander. Henllan conveyancing solicitors were appointed. How long does it take for Santander to send the offer to the solicitor?
Some lenders take longer than others. Have Santander completed the survey? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am purchasing a property in Henllan. A rare aspect is that the roof has a solar panel. Virgin Money have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Virgin Money your lawyer must check the conveyancing instructions outlined in Part two of UK Finance Lenders’ Handbook for Virgin Money. The Council of Mortgage Lenders’ Handbook stipulates minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Virgin Money where a lease does not satisfy these conditions. The conditions relate to the installation of panels on properties nationwide and is not limited to Henllan.
I note that there are debates on Chancel Insurance on online forums. Do I need this when acquiring a house in Henllan? or I am told that there is a law dating back centuries that could mean that owners of property residing in a parish church boundary may be liable to pay for repairs to the chancel in proximity to the church. Is this relevant for conveyancing in Henllan?
Unless a prior purchase of the premises completed post 12 October 2013 you could expect conveyancing practitioners conducting conveyancing in Henllan to continue to advocate a chancel search and or insurance against a claim.
About to purchase a new build apartment in Henllan. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Henllan
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Forfeiture - bankruptcy or liquidation must not apply under this provision. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.
Due to the guidance of my in-laws I had a survey completed on a property in Henllan ahead of retaining lawyers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some banks tend refuse to give a loan on such a property.
It varies from the lender to lender. Lloyds has different instructions for example to Halifax. Should you wish to call us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Henllan. Conveyancing may be slightly more expensive based on your lender's requirements.
My husband and I are novice buyers - had an offer accepted, yet the estate agent has warned us that the seller will only move forward if we instruct their preferred conveyancers as they need an ‘expedited deal’. We would rather use a family solicitor who is familiar with conveyancing in Henllan
We suspect that the owner is unaware of this request. Should the seller want ‘a quick sale', turning down a serious buyer is is going to put the whole deal at risk. Speak to the vendors direct and make sure they understand (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)however you are going to instruct your own,trusted Henllan conveyancing solicitors - not the ones that will give the negotiator at the agency a kickback or achieve conveyancing figures demanded by HQ.
A licensed conveyancer dealt with my conveyancing in Henllan half a dozen years past having stored my deeds but has since been shut down – What steps do I now take to retreive these?
Title deeds, as such, no longer exist as most homes in Henllan are registered electronically at Land Registry. Should you need to establish evidence of proprietorship or are selling or re-mortgaging your conveyancing practitioner should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.