I am hoping to receive a mortgage with Halifax. I intend to instruct a Licensed Conveyancer in Minera. Does the Halifax Conveyancing panel include Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
We are selling our house in Minera and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. A local conveyancer would know that there is no such problem. It does beg the question why the purchasers are using an internet conveyancing firm rather than a conveyancing solicitor in Minera. We have lived in Minera for many years we know that this is a non issue. Is it a good idea to contact our local Authority to obtain confirmation need.
It would appear that you have a conveyancing firm already. Are they able to advise? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
Despite weeks of looking the Title Certificate and documents to my home can not be found. The solicitors who dealt with the conveyancing in Minera 5 years ago are no longer around. What are my options?
Assuming you have a registered title the information relating to your proprietorship will be documented by the Land Registry with a Title Number. It is easy to perform a search at the Land Registry, find your house and obtain current copies of the property title for a small fee. Where the property is Leasehold then the Land Registry will also normally hold a file copy of the Registered Lease and again, a copy can be retrieved for twenty pounds.
How does conveyancing in Minera differ for new build properties?
Most buyers of new build residence in Minera contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is completed. This is because house builders in Minera tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Minera or who has acted in the same development.
I am looking for a flat up to £245,000 and identified one near me in Minera I like with amenity areas and railway links nearby, however it's only got 61 remaining years left on the lease. There is not much else in Minera for this price, so just wondered if I would be making a mistake acquiring a short lease?
If you need a home loan the shortness of the lease will likely be an issue. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least twenty four months you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.
I was advised by numerous selling agents in Minera to locate a conveyancer on your site. Is there a financial advantage for Estate Agents to offer your site over and above a competitor’s?
We don’t offer any financial incentive for directing people in our direction. We found it would be just too difficult a fee as a client could think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ We would prefer to grow our business on genuine recommendations.