My wife and I are acquiring a maisonette in Kingsbury. My Solicitor is not on the mortgage company solicitor panel. Am I still permitted to use my Kingsbury conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel?
You will need to appoint a solicitor to deal with the legal work required when you require a loan to purchase your property. They will conduct all the relevant due diligence on the property, make sure that you will be registered as proprietor and ensure that all the required mortgage paperwork is dealt with. One could appoint a Kingsbury solicitor of your choosing. However, if the conveyancing practitioner appointed is not a member of the lender approved list additional charges will be incurred as separate legal representation will be required by them. Lender panel applications can be submitted, so if your lawyer has not previously sought membership they should do so.
It is a dozen years since I bought my property in Kingsbury. Conveyancing solicitors have just been retained on the sale but I can't find my deeds. Will this jeopardise the sale?
Don’t worry too much. First there is a possibility that the deeds will be with your lender or they may still be with the conveyancers who acted in your purchase. Secondly the likelihood is 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 procuring current official copies of the land registers. Almost all conveyancing in Kingsbury relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.
I'm remortgaging my current property to a buy to let mortgage with Platform Home Loans Ltd and I will use the rest of the raised equity as a deposit on another house. The neighborhood we are looking at is Kingsbury. Will your solicitors be able to act for the two banks and tie in the two deals?
Make use of our search tool on this page to ensure that the conveyancers are on the appropriate lender panels. Having checked that they are your conveyancer should be able to connect the two deals but you should talk with you conveyancer and make apparent your desired outcome and requirements.
As co-executor for the estate of my grandfather I am selling a property in Cardiff but I am based in Kingsbury. My conveyancer (who is 260 miles awayneeds me to sign a statutory declaration before the transaction finalising. Can you recommend a conveyancing lawyer in Kingsbury to witness and place their company stamp on the document?
strictly speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will be fine regardless of whether they are Kingsbury based
I've recently bought a leasehold property in Kingsbury. Am I liable to pay service charges for periods before my ownership?
In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
I have attempted and failed to negotiate with my landlord to extend my lease without success. Can one apply to the Leasehold Valuation Tribunal? Can you recommend a Kingsbury conveyancing firm to act on my behalf?
in cases where there is a absentee landlord or if there is dispute about the premium for a lease extension, under the relevant statutes you can apply to the Leasehold Valuation Tribunal to decide the premium.
An example of a Lease Extension decision for a Kingsbury residence is 27B Hillside in February 2010. the resulting premium, all other aspects of the valuation having been agreed between the parties was set at £8,250 This case related to 1 flat. The unexpired residue of the current lease was 70.25 years.
How do I establish who owns a property in Kingsbury?
Provided the property is registered with the Land Registry, and you have sufficient specifics of the location of the property, you will be able to view results from the HMLR of the recorded owner for a a minimal charge.