At what point can the exchange of contracts occur in purchase conveyancing in Leamouth and am I required to be at the solicitors office?
If you are local to one of the conveyancing solicitors in Leamouth you are welcome to attend to sign the paperwork. However, the firms we work with supply countrywide coverage for conveyancing and provide just as diligent and professional a job for you when dealing with you electronically. The signing of the property agreement is not the important part. Signing on the dotted line is just a prerequisite for the conveyancer to officially exchange when the time is right, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Leamouth)to be in the office available at the end of the phone to exchange contracts.
Is there a search tool that I can use to check that the solicitor carrying out my conveyancing in Leamouth is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Santander thus paying £192.00 in additional conveyancing invoice.
Please do take advantage of the find a conveyancing panel solicitor tool on this site. Please choose the mortgage company and type ‘Leamouth’ or your preferred area and you will discover a number of lawyer offices in Leamouth or by proximity to you.
My wife and I buying a detached bungalow in Leamouth. We would like to an extension at the rear at the house.Will the conveyancing process include enquiries to determine if these works are permitted?
Your solicitor should review the registered title as conveyancing in Leamouth will occasionally identify restrictions in the title deeds which prevent categories of changes or require the consent of another owner. Many works require local authority planning permissions and approval under the building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these things with a surveyor prior to committing yourself to a purchase.
Last month we had a mortgage agreed in principle with Aldermore. Leamouth conveyancing lawyers have been chosen. How long does it take for Aldermore to issue the offer to the conveyancing practitioner?
There is no definitive answer here. Have Aldermore completed the valuation? Have you advised Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
We have agreed to purchase a house in Leamouth. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Kent Reliance be concerned?
Given that your lender is Kent Reliance your lawyer must follow the conveyancing instructions contained in Part two of UK Finance Lenders’ Handbook for Kent Reliance. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to Kent Reliance where a lease fails to comply with these conditions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Leamouth.
My colleague advised me that if I am purchasing in Leamouth I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Leamouth conveyancing searches. It is not a small document of more than thirty pages, listing and setting out important information about Leamouth around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Leamouth Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data about Leamouth.
I own a semi-detached Edwardian property in Leamouth. Conveyancing lawyer represented me and Accord Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the matching property. Is it worth asking Accord Mortgages Ltd to clarify?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Leamouth and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with the conveyancing lawyer who carried out the work.
Due to the guidance of my in-laws I had a survey completed on a house in Leamouth in advance of instructing solicitors. I have been advised that there is a flying freehold element to the property. The surveyor advised that some mortgage companies will refuse to give a mortgage on a flying freehold premises.
It depends who your proposed lender is. Santander has different requirements from Nationwide. Should you wish to call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Leamouth. Conveyancing may be slightly more expensive based on your lender's requirements.