Having sold my house in Llanfyllin last March yet the purchaser is SMS messaging daily to say their lawyer needs to hear from mine. What should have happened following completion?
Post completion of your sale your solicitor is duty bound to forward the transfer documentation and all of the paperwork to the purchaser's solicitors. If applicable, your lawyer should also evidence that the legal charge in favour of the lender has been redeemed to the buyers solicitors. There is unlikely to be post completion tasks specific conveyancing in Llanfyllin.
What can a local search reveal concerning the house my wife and I buying in Llanfyllin?
Llanfyllin conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search organisations such as Searchflow The local search plays a central part in many a Llanfyllin conveyancing purchase; as long as you don’t want any unpleasant once you have moved into your property. The search will provide information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject areas.
My wife and I purchased a 4 bedroom Edwardian house in Llanfyllin. Conveyancing practitioner acted for me and Platform Home Loans Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold with the matching property. I'd like to know for sure, how can I find out??
You should read 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Llanfyllin and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the situation with the conveyancing solicitor who conducted the conveyancing.
I'm purchasing my first flat in Llanfyllin with a mortgage from HSBC Bank. The builders refused to move on the price so I negotiated £7000 of additionals instead. The house builders rep told me not inform my solicitor about the side-deal as it would put at risk my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My brother has encouraged me to instruct his conveyancing solicitors in Llanfyllin. Should I find my own solicitor?
Much as we are happy to recommend a Llanfyllin conveyancing lawyer it’s preferable to choose a conveyancing lawyer is to get feedback from friends or family who have actually previously instructed the solicitor you're considering.
I have instructed a Llanfyllin conveyancing solicitor for our house purchase (first time buyers) and have noticed in the terms and conditions that they are not regulated by the FCA. Am I right to be concerned or is that the norm with solicitor?
We can't see why they should be. Most solicitor don't lend money. You should check that they are governed by the SRA, who dictate strict rules in place on monies held in their bank.