I am obtaining a offer of a home loan from Halifax. I would like to retain the legal services of a Licensed Conveyancer in Ickenham. Does the Halifax Conveyancing panel include Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
What is the difference between a licensed conveyancer and conveyancing solicitor in Ickenham
There are many recorded licenced Conveyancers in Ickenham and Solicitor partnerships in Ickenham offering conveyancing We would stress that both are supervised by regulatory bodies with both specialising in the legal work in the home buying process. The two can conduct other property legal work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I have decided to exercise my right to buy my property in Ickenham off the council. I have a mortgage agreed with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
Our sealed bid on a detached house in Ickenham has been accepted, the sellers do however have a connected purchase. The owners have offered on a property, but it’s not yet agreed to, and have viewings of other properties in the pipeline. I have chosen a bricks and mortar conveyancing solicitor in Ickenham. What do I do now? When do I get the mortgage application with Barclays going?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur costs too early (home loan application is in the region of one thousand pounds, then survey, Ickenham conveyancing search costs, etc). First, you should check that your solicitor is on the Barclays conveyancing panel. As to the subsequent phase this very much depends on the uniqueness of your case, desire for the property and on the state of the market. During a buoyant market the majority of purchasers would apply for the mortgage with Barclays and arrange for the valuation and only if it comes back ok would they pay their property lawyer to move forward with the conveyancing in Ickenham.
We are close to exchanging contracts on the sale of our property in Ickenham and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. A local lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using a national conveyancing practice as opposed to a conveyancing solicitor in Ickenham. We have lived in Ickenham for 5 years we know of no issue. Is it a good idea to get in touch with our local Authority to get confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing lawyer already. Are they able to advise? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
3 months have gone by following my purchase conveyancing in Ickenham took place. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I have been on the look out for a ground for flat up to £305k and identified one near me in Ickenham I like with open areas and station in the vicinity, the downside is that it's only got 51 years on the lease. There is not much else in Ickenham in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you need a mortgage the shortness of the lease may be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of 2 years you can ask them to commence the lease extension formalities and pass 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 regarding this.
How easy is it to use your search facility to locate a conveyancing lawyer in Ickenham on the approved list for my mortgage?
1st select a bank such as Nationwide Building Society, Barnsley Building Society or Platform Home Loans Ltd then choose your location a common one being Ickenham. Conveyancing firms in Ickenham and nationally will then be identified.