Me and my wife are buying property in Hulme. My lawyer is not on the mortgage company solicitor list. Can I still retain my Hulme conveyancing solicitor notwithstanding that they are not on the bank list of approved lawyers?
You have a couple of choices available to you here
- Complete the purchase with your chosen Hulme lawyer but your lender will undoubtedly retain a conveyancing practitioner from their conveyancing panel. The net result is additional cost and likely frustration.
- Appoint a new conveyancing practitioner to conduct the conveyancing, ensuring that they are on the mortgage company conveyancing panel.
- Convince your conveyancing practitioner to do everything within their powers to get accepted on the bank’s panel of solicitors
I have given 2 months notice to my existing landlord and must be out of my let out apartment in Hulme by the end of next month. Conveyancing on my purchase is underway. Is it possible to complete in 5 weeks as I wish to avoid having to find temporary accommodation?
Generally one should not give notice on a rental unless exchange of contracts has taken place. Assuming that you have not already done so, speak to your conveyancer and request that they chase the owners lawyers, try to an agreed time frame that everyone will look to achieve
It is 10 years ago since I acquired my property in Hulme. Conveyancing solicitors have just been appointed on the sale but I can't find the deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be retained by your lender or they may still be with the lawyers who handled the purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring current official copies of the land registers. The vast majority of conveyancing in Hulme relates to registered property but in the rare situation where your property is unregistered it is more problematic but is not insurmountable.
Will my lawyer be raising enquiries concerning flooding during the conveyancing in Hulme.
Flooding is a growing risk for lawyers dealing with homes in Hulme. There are those who purchase a house in Hulme, fully aware that at some time, it may be flooded. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Conveyancers are not qualified to offer advice on flood risk, however there are a numerous searches that may be undertaken by the purchaser or on a buyer’s behalf which can give them a better appreciation of the risks in Hulme. The conventional set of property information forms supplied to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) contains a usual question of the owner to discover if the premises has ever been flooded. In the event that the property has been flooded in past and is not revealed by the seller, then a buyer may bring a claim for damages as a result of such an inaccurate answer. A purchaser’s conveyancers should also order an environmental search. This should indicate if there is a recorded flood risk. If so, additional investigations will need to be carried out.
I have justbeen informed that Action Conveyancing have been shut down. They conducted my conveyancing in Hulme for a purchase of a leasehold flat 9 months ago. How can I establish that the property is not still registered in the name of the former proprietor?
The easiest way to see if the property is registered to you, you can carry out 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 Hulme conveyancing specialists.
I've recently found out that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Hulme is the location of the property. What do you suggest?
Flying freeholds in Hulme are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hulme you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hulme may determine 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 residence.