Having sold my house in Lytchett Matravers last February but our buyer keeps calling me to say their solicitor is waiting to hear from mine. What should have happened now that I have sold?
Following your disposal your lawyer should deliver the transfer deeds and all additional paperwork to the buyer’s lawyers. Where appropriate, your solicitor must also evidence that the legal charge in favour of the lender has been redeemed to the buyers conveyancers. There are no post completion procedures just for conveyancing in Lytchett Matravers.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Lytchett Matravers. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 21/11/2024, the requirements read as follows :
We are buying a 4 bedroom semi-detached house in Lytchett Matravers. Our aim is to convert the garage to an office at the house.Will legal work on the property involve checks to ascertain if these alterations were previously refused?
Your solicitor will check the registered title as conveyancing in Lytchett Matravers will sometimes reveal restrictions in the title documents which restrict categories of works or necessitated the consent of a 3rd party. Some extensions call for 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 ahead of any purchase.
I'm spending time viewing houses in Lytchett Matravers and I am about to put in an offer. Is it advisable to have my conveyancing practitioner on ‘stand by’? I intend to finance via a mortgage with Santander.
It would be wise to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. As you are getting a mortgage with Santander, ask your prospective lawyers if they are on the Santander conveyancing panel otherwise they can't do the mortgage legal work.
I was told two weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Lytchett Matravers is approved on their conveyancing panel? Clydesdale have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
My colleague recommended that if I am purchasing in Lytchett Matravers I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes included in the estimate for your Lytchett Matravers conveyancing searches. It is a large document of more than thirty pages, listing and detailing important information about Lytchett Matravers around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Lytchett Matravers Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Lytchett Matravers Education with plans and statistics, Local Amenities and other useful information concerning Lytchett Matravers.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Lytchett Matravers?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Lytchett Matravers. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Due to the encouragement of my in-laws I had a survey completed on a property in Lytchett Matravers before instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some banks tend refuse to grant a mortgage on a flying freehold premises.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. Should you wish to call us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Lytchett Matravers. Conveyancing may be slightly more expensive based on your lender's requirements.