Do the Building Society Association intend to launch a searchable register to list practices on the Coventry BS conveyancing panel for example in Molesey?
We are not aware of any intention on the part of the BSA to develop such a search facility.
I just acquired a flat at auction in Molesey. Conveyancing is necessary. What happens now?
Having to all intents and purposes signed on the dotted line you will need to instruct a conveyancing lawyer quickly as you are facing a fast approaching a drop dead date to complete the purchase. Every auction property will have a bespoke auction pack. This should include evidence of title and search results. If you have purchased leasehold premises the conveyancing papers should provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork relating to leasehold premises. You should pass this on to the lawyer working for you at the earliest opportunity. Do make sure that your finances are in place to complete on the on the contractual date .
We have agreed to purchase a house in Molesey. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Virgin Money be concerned?
Given that you are obtaining a mortgage with Virgin Money your lawyer must follow the formal requirements set out in Part 2 of UK Finance Lenders’ Handbook for Virgin Money. The CML Handbook includes minimum provisions for solar panel roof-space leases, and lawyers are required to report to Virgin Money where a lease fails to comply with these provisions. The requirements relate to the installation of panels on properties countrywide and is not isolated to Molesey.
I have paid off my mortgage with HSBC. I assume I don't need a Molesey property lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
My colleague recommended that if I am purchasing in Molesey 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 sometimes quoted for as part of the standard Molesey conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Molesey around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Molesey Housing Market, Council Tax Banding, the demographics 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 information about Molesey.
Are there restrictive covenants that are commonly picked up during conveyancing in Molesey?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Molesey. 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…’
We're first time buyers - agreed a price, yet the property agent informed us that the seller will only move forward if we use their preferred conveyancers as they are insisting on an ‘expedited deal’. We would rather use a local conveyancer used to conveyancing in Molesey
It is highly unlikely the sellers are driving this. Should the owner desire ‘a quick sale', alienating a motivated purchaser is not the way to achieve this. Speak to the vendors direct and make sure they understand (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)but you are going to use your preferred Molesey conveyancing solicitors - not the ones that will earn their negotiator at the agency a kickback or achieve conveyancing targets pre-set by head office.
If instructed can a conveyancer remove someone from the title of my property in Molesey ?
Extracting or adding someone to the title of your home is relatively straightforward. You’ll need to appoint a lawyer to discuss your legal rights before you can proceed with a transfer of property. Contact us to book a free consultation with one a lawyer