I have given 2 months notice to my current landlord and must leave my rented apartment in Hull by 10/11/2026. Conveyancing for my house purchase is underway. How realistic is it to complete in 4 weeks as I wish to avoid having to move into temporary accommodation?
The normal practice is not to give notice for your lease unless you have exchanged. If you have not already done so, notify to your solicitor and request that they seek the assistance the owners side, try to get a realistic time scale from them that everyone will work towards
We have agreed to purchase a house in Hull. An unusual aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Bank of Ireland your lawyer must follow the formal requirements outlined in Part 2 of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Bank of Ireland where a lease does not comply with these conditions. The specifications relate to the installation of panels on properties nationwide and is not isolated to Hull.
I have decided to exercise my right to buy my property in Hull off the council. I have a mortgage agreed with HSBC. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with HSBC, you will need to appoint a solicitor on the HSBC conveyancing panel.
The mortgage over my property is with Santander for my property in Hull. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Santander?
Santander must be informed of your intention prior to letting out your property as this is likely to be a breach of Santander’s mortgage conditions. It may be that Santander 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 Santander directly. You need not do this via a Santander conveyancing panel firm.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a property in Hull? or I am told that there is an ancient law that means some owners of property residing in a parish church boundary may be liable to pay for repairs towards the chancel within the church. Is this appropriate for conveyancing in Hull?
Unless a previous acquisition of the house completed after 12 October 2013 you could take it that conveyancing practitioners delivering conveyancing in Hull to continue to advocate a chancel search and or insurance against a claim.
I'm remortgaging my primary home to a BTL loan with Virgin Money and intend to use the remaining equity towards another property. The neighborhood we are interested in is Hull. Will your conveyancers be able to act for both sets of lenders and tie in the two deals?
Do use our comparison tool on this site to be sure that the solicitors are on the relevant lender panels. Having checked that they are your lawyer will be able to simultaneously deal with the two transactions but you should talk with you lawyer and communicate your expectations and requirements.
My husband and I are 14 days into a residential purchase having been recommend to conveyancers by the selling agent to handle our conveyancing in Hull. I am am starting to be disappointed with the level of service. Can you help me find new conveyancers?
A solicitor would need to be very bad to suggest diss instructing them. Has your loan offer been sent? In the event that it has you must make them aware of the new contact details and get the mortgage documents are re-sent. The solicitor ideally needs to be on the banks approved list to avoid escalating costs and complications. So that should be your first question of the new solicitors. Our find a solicitor tool will assist you in finding a lender approved lawyer for your conveyancing in Hull
Am in the process of buying my first house in Hull. Conveyancing lawyer has been appointed. The broker advised that a survey is not necessary as the house is only 20 yrs old.
You would be best advised to commission a Home Buyer's Report. Given the residence was built more than a decade ago the property will be without a warranty, so you don't want to take a risk. For a property that age with no signs of defects a Home Buyer's report could be enough. The report should highlight any apparent problems and recommend further investigation where relevant. Where there are any signs of material issues obtain a full structural survey.