I am purchasing property in Highbury. My property lawyer is not listed on the lender solicitor list. Is it possible for me to retain my Highbury conveyancing solicitor notwithstanding that they are excluded from the bank panel of approved conveyancing solicitors?
One will need to use a conveyancing practitioner to complete the formalities when you take out a loan to buy your home. They will conduct all the relevant legal checks on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage documentation is in order. One can instruct a Highbury lawyer of your choice. Nevertheless, if the solicitor appointed is not on the bank conveyancing panel additional costs will be incurred as separate legal representation will be required by them. Bank panel applications may be submitted, so if your conveyancer has not in the past applied for membership they can do so.
My aunt passed away last year and as sole heir and executor I was left the house in Highbury. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?
Where you intend to re-mortgage then Clydesdale will require that you use a conveyancer on the Clydesdale conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Clydesdale conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Clydesdale mortgage is registered as a charge at the Land Registry.
Will my lawyer be making enquiries regarding flooding as part of the conveyancing in Highbury.
Flooding is a growing risk for solicitors dealing with homes in Highbury. Plenty of people will buy a house in Highbury, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, if a property is at risk of flooding, it may be difficult to obtain a mortgage, suitable insurance cover, or sell the premises. There are steps that can be taken during the course of a house purchase to forewarn the buyer.
Solicitors are not best placed to give advice on flood risk, but there are a number of checks that can be undertaken by the purchaser or on a buyer’s behalf which can figure out the risks in Highbury. The conventional set of information sent to a buyer’s lawyer (where the Conveyancing Protocol is adopted) incorporates a usual question of the seller to discover whether the premises has ever been flooded. If flooding has previously occurred which is not revealed by the vendor, then a purchaser could issue a compensation claim resulting from an inaccurate reply. A buyer’s lawyers will also order an enviro report. This will disclose whether there is a recorded flood risk. If so, more detailed inquiries should be initiated.
I have justbeen informed that Action Conveyancing have closed. They carried out my conveyancing in Highbury for a purchase of a leasehold apartment 9 months ago. How can I establish that my home is registered correctly in the name of the former proprietor?
The quickest way to check if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Highbury conveyancing specialists.
Taking into account that I will soon part with over three hundred thousand on a garden flat in Highbury I would like to talk to a lawyer about myhome move in advance of instructing the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor due to be conducting your property ownership legalities in Highbury.There is no ‘factory style conveyancing’ - every client is an important person, not a file number. The law firms that we put you in touch with believe that the figure you are provided with for your conveyancing in Highbury should be the amount on the final invoice that you are charged.
Living abroad it is not practicable to attend my Highbury conveyancing lawyers office to execute documents for conveyancing in Highbury – is this a problem?
No. Highbury conveyancing lawyers can handle conveyancing transactions for clients from a distance. It is not necessary for you to be able to visit a Highbury conveyancers office. Almost all solicitor can handle everything via post, email, telephone and fax.