My grandmother passed away 10 months ago and as sole heir and executor I was left the house in Kempsey. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Nationwide, pay off the mortgage. Is this possible?
If you plan to refinance then Nationwide will require that you use a conveyancer on the Nationwide 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 Nationwide 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 Nationwide mortgage is registered as a charge at the Land Registry.
I am helping my sister sell her property in Kempsey. Does the conveyancing solicitor order an energy assessment or it is for the owner to see to?
After the demise of Home Information Packs, energy performance certificates became a compulsory element of selling a house. An energy assessment needs to be commissioned in advance of the property being advertised. This is not something that conveyancers ordinarily organise. Where you are using a Kempsey conveyancing practitioner they might be able to arrange EPC’s due to their contacts with reputable Kempsey providers
My wife and I purchasing a 3 bedroom semi in Kempsey. Our aim is to an extension at the rear at the property.Will the conveyancing process include enquiries to ascertain if these works are allowed?
Your property lawyer should check the deeds as conveyancing in Kempsey can sometimes reveal restrictions in the title documents which prevent categories of changes or require the permission of a 3rd party. Certain extensions call for local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor prior to committing yourself to a purchase.
We expect to receive a AIP from Aldermore this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Kempsey solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Kempsey solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
Various internet forums that I have frequented warn that are a common cause of obstruction in Kempsey conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the top 10 causes of hindrances during the legal transfer of property. Searches are not likely to feature in any holding up conveyancing in Kempsey.
Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a quick, chain free conveyancing. Kempsey is where the house is located. Can you shed any light on this issue?
Flying freeholds in Kempsey are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Kempsey you must be sure that your lawyer goes 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 Kempsey may ascertain 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.
I need to find a conveyancing solicitor for leasehold conveyancing in Kempsey. I have discover a site which seems to have the perfect solution If it is possible to get all formalities completed via phone that would be ideal. Should I be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Can you shed any light on the scope of conveyancing supplied by Kempsey conveyancing practices?
The majority of Kempsey conveyancing practices manage to handle various legal advice to home and land owners, vendors, investors, landlords and tenants including the following:
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Home sale conveyancing in Kempsey or wider afield
Private residential purchase conveyancing in Kempsey and further afield
Leasehold conveyancing selling and buying Land Registry applications (adverse possession, lost deeds) Islamically-compliant mortgages in Kempsey and further afield Conveyancing for council Right to Buy scheme